Has any one here ever experienced hail damage to their panels? If so I would love to hear the circumstances.

Does anyone here insure their panels for damage or theft and or inverters here, have you ever had to claim from insurance? does the risk warrant insurance, or is the risk in your experience been low enough not to insure. Will insurance companies even insure PV/solar equipment? Does the cost of insurance outweigh the potential cost savings of a PV system. Any insight on this would be appreciated. 

It is a fixture to you buildings, thus it should be covered under your normal property insurance, I informed my insurer of the addition and she said it don’t even increase my premium.

My panels are fixed with a non-theft bracket, need a special tool to get them out or you either break the bracket or panel.

I believe those panels are pretty robust, unless you get cricket ball size hail

I am however busy putting each and every item together with serial numbers and pictures that I will send my insurer so that they have it on record, just so they can’t come back later and say that I did not have the items.

11 hours ago, Wilfred said:

It is a fixture to you buildings, thus it should be covered under your normal property insurance, I informed my insurer of the addition and she said it don’t even increase my premium.

My insurer told me the same thing. He did advise that I should get an updated COC and send him a copy, but the premium was unaffected unless I specified the batteries or the inverter.

This is something folks may want to think about. If you don't specify those items they just get bundled in with the standard household contents and will be subject to the limit for those items. If   you DO specify them, they are specifically and separately covered but your premium WILL go up. You can't insure against your batteries eventually running out of juice - only against theft or accident (usually excluding any damage caused by pets).

I've been through this and I've been paid by the insurance company