Solar + roofing integration

Hail damage roof and panel combined repair estimator

Enter your roof size, damage severity, and panel counts. Get a real combined cost estimate covering both roof repair and panel replacement.

Your damage details

Educational planning estimate, not professional, financial, or engineering advice. Confirm figures with a licensed contractor or installer before making decisions.

1 Project details Optional
Shown on your exported report. Leave blank to skip.
2 Roof damage
Total roof surface area affected by the hail event.
A roofing contractor's inspection confirms the exact severity level.
3 Panel damage
Total panels in your array, damaged and undamaged combined.
Cracked or physically damaged panels needing full replacement.
Adjusts all cost figures to your local currency and labor rates.

How it works

Three steps to a repair estimate

Step 1

Get a roofing contractor's damage assessment

Severity level drives the roof repair cost significantly, so an accurate inspection matters more here than a rough guess.

Step 2

Count your damaged and total panels

Cracked panels need full replacement, while undamaged panels in the repair zone still need removal and reinstall.

Step 3

Use the total for your insurance claim

The insurance claim panel removal cost tool shows how this total interacts with your deductible and expected coverage.

Why hail damage hits roof and solar as one combined event

What a moderate hail event costs

A moderate hail event on a 2,000 square foot roof with 20 panels, 4 of them damaged, typically costs around 13,800 dollars total in the US, covering roof repair, damaged panel replacement, and removal and reinstall of the undamaged panels. Treating this as one combined repair, rather than two separate claims, keeps the process simpler and reflects how homeowners insurance coverage works when both systems are damaged in the same event.

Why cracked panels get replaced, not repaired

Hail impacts create micro-fractures in the solar cells beneath a panel's glass surface, which reduce output immediately and continue to worsen over time even if the panel still technically generates power. Insurers and installers both typically treat this as a full replacement item rather than attempting a repair, since there's no reliable way to fix cell-level fracturing. For the maintenance & lifespan side of this decision, see extended warranty value calculator.

Why undamaged panels still add cost

Any panel sitting in the area needing roof repair typically needs to come off, even if it survived the hail without a scratch, since roofers need clear access to the shingles or membrane underneath, an access requirement PNNL's overview of roofing components and performance touches on more broadly. This removal and reinstall cost applies on top of the direct hail damage repair and replacement costs, which is easy to overlook when first estimating total repair cost, and the extended warranty value calculator is worth checking if your panel warranty covers any of this.

What to confirm with your insurer before filing

Check that your solar system was properly added or scheduled on your homeowners policy after installation, since some policies require this step for solar coverage to apply. The insurance claim panel removal cost tool covers documentation and deductible considerations that apply directly to this hail damage scenario, the roof inspection cost estimator is worth reviewing before filing a claim, and the commercial solar insurance cost estimator covers the equivalent scenario if this is a business-owned system.

Questions

Frequently asked

A moderate hail event on a 2,000 square foot roof with 20 panels, 4 of them damaged, typically costs around 13,800 dollars total in the US, covering roof repair, damaged panel replacement, and removal and reinstall of the undamaged panels.

Hail-cracked panels are almost always replaced rather than repaired, since micro-fractures in the solar cells reduce output and worsen over time even if the panel still technically produces power. Insurers typically treat cracked panels as a full replacement item.

Yes, if they sit in the area needing roof repair. Even undamaged panels typically need removal and reinstall to access and fix the roof underneath them, which adds labor cost on top of the direct hail damage repair.

Most policies cover both if hail is a named covered peril, since panels are typically considered part of the insured structure once installed. Confirm your specific policy language and whether your solar system was properly scheduled on your policy after installation.

Related tools

Keep planning your project

Insurance claim panel removal cost Panel removal and reinstall cost Roof warranty impact from solar Roof inspection cost before solar Flashing and waterproofing cost Roof replacement cost calculator Roof vs panel warranty overlap All solar + roofing integration tools