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Insurance Claims Involving Solar

When a hail or wind claim involves a home with solar, the array affects the scope, the inspection and sometimes the coverage. The most common issue we see is a claim scope written without detach and reinstall included, leaving the homeowner with a gap between what the roof costs and what the settlement pays.

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Solar array on a residential roof being documented during a claim inspection

Where solar changes the claim

  1. Scope completeness

    A roof replacement on a solar home is not complete without detach and reinstall. If the estimate does not include it, that cost has to come from somewhere.

  2. Inspection access

    The roof under the array cannot be fully assessed until panels are off, so damage may be identified after the initial scope is written.

  3. Panel damage as a separate item

    Damage to the array itself may be evaluated differently from damage to the roof, especially if the system is leased or under a PPA.

  4. Ownership structure

    Owned systems, leased systems and power purchase agreements are handled differently. With a lease or PPA, the equipment may not be yours to claim.

  5. Supplements

    When additional damage is uncovered during tear-off, it is documented and submitted. This is normal and expected on solar projects.

Documentation that makes a difference

  • Date of loss and the specific storm event affecting your address
  • Pre-storm production data from your monitoring platform
  • Photographs of the roof, gutters, soft metals, screens and the array
  • Panel model and count, racking type, inverter configuration
  • Your solar agreement, showing whether the system is owned, leased or under a PPA
  • A written detach and reinstall scope from the contractor performing it

How we work claims

We inspect and document, we meet the adjuster on site when scheduling allows, and we provide a clear written scope including detach and reinstall. We do not tell homeowners their claim will be approved, we do not offer to absorb deductibles, and we do not file claims on your behalf. Those practices create real legal exposure for Texas homeowners, and any contractor offering them is telling you something about how they operate.

Frequently asked questions

Does insurance pay for solar detach and reinstall?
It is frequently included when panel removal is necessary to complete a covered roof replacement, but this depends entirely on your policy and carrier. Making sure it appears in the written scope early is the single most useful thing you can do.
What if my solar is leased or on a PPA?
The equipment is generally owned by the solar provider, which changes who claims damage to the panels and who must authorize work on them. We review your agreement with you before the project starts.
Can the adjuster inspect under my panels?
Not fully. This is a known limitation on solar homes and often means additional damage is documented during tear-off and submitted as a supplement.
Will you waive my deductible?
No. Under Texas law, a contractor absorbing or rebating an insurance deductible is a serious problem for both parties. Any roofer who offers is inviting you into it.

Keep reading

Filing a claim on a solar home?

We will document both systems and give you a scope that includes the detach and reinstall.

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Or call (972) 999-8388