Solar Panel Hail Damage: Testing, Protection & Insurance Claims

Last updated: February 1, 2026

How well do solar panels withstand hail? IEC testing standards, real-world damage data, protective measures, and filing insurance claims.

Solar panels are tested to withstand 1-inch (25mm) hail at 52 mph (23 m/s) per IEC 61215 standards. Most quality panels survive hailstorms that damage roofs, cars, and siding. However, exceptionally large hail (2+ inches) or high velocities can crack the tempered glass. Hail damage is typically covered by homeowners insurance.

Key Takeaways

• IEC 61215 standard: panels must withstand 1-inch hail at 52 mph
• Most Tier-1 panels survive hailstorms that damage other property
• Large hail (2+ inches) can crack panel glass — rare but possible
• Micro-cracks from hail may not be visible but reduce output over time
• Homeowners insurance typically covers hail damage to solar panels
• Hail guards and screens are available but reduce output by 2-5%

Frequently Asked Questions

How do I know if my panels have hail damage?

Visible damage includes cracked or shattered glass and dented frames. Invisible micro-cracks can be detected through infrared thermal imaging or by monitoring for unexplained output drops. After any significant hail event, check your monitoring app for output changes and visually inspect panels if safely accessible.

Should I install hail guards on my panels?

Hail guards reduce output by 2-5% and are generally not recommended unless you live in an area with frequent severe hailstorms (2+ inch hail). For most locations, the insurance coverage and robust panel construction provide adequate protection.