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How Does Hail Damage Affect Solar Panels on a Roof?

Last updated October 26, 2026

The short answer

What Hail Does to Panels

Hailstones strike the glass face of a solar panel with enough force to create hairline cracks or shatter the surface. Those cracks let moisture reach the photovoltaic cells inside, which lowers power output and can cause short circuits. The aluminum frame can also bend, which puts stress on the glass and the roof underneath.

A single severe hailstorm can leave dozens of small dents across the panel surface. Each dent creates a weak point where water can pool and eventually work its way in. You may not see the damage from the ground, so a close inspection after any storm with large hail is a smart habit.

Signs of Water Damage

Water that gets behind a cracked panel can travel down the roof deck and soak the underlayment, insulation, and rafters. You might notice dark streaks on ceiling drywall, a musty smell in the attic, or a slow drip after rain. The roof itself may also be punctured by hail, which creates a separate leak path.

If water reaches the electrical wiring or the inverter, it becomes a fire hazard and a shock risk. Turn off the solar system at the breaker if you suspect water intrusion, and do not climb onto a wet roof. A qualified electrician can safely disconnect the system before any inspection or repair work begins.

  • Cracked or shattered glass on any panel
  • Dents or bends in the aluminum frame
  • Loose or shifted panels on the racking
  • Water stains on ceiling or attic surfaces
  • Unusual drop in energy production on your meter
  • Visible gaps between panel and roof flashing

Why Roof Leaks Matter

Hail damage to panels often goes hand in hand with damage to the roof itself. The same storm that dents your solar array can bruise or puncture asphalt shingles, crack clay tiles, or tear metal flashing. Water that enters through a roof leak can soak insulation, rot wooden rafters, and ruin ceiling finishes inside your home.

Addressing a roof leak quickly is important because standing water and damp materials encourage mold growth. Mold can spread behind walls and under floors, affecting indoor air quality. If you see water stains or feel soft spots in your ceiling, you need a roof inspection and likely water damage cleanup before the problem worsens.

What to Do After a Storm

Record the date and time of the hailstorm and take photos of any visible damage from the ground or with a drone. Keep any receipts for temporary repairs like tarping, since your insurance company may ask for them. Check your policy to understand what kinds of hail and water damage are covered.

Call the pros to assess the roof and the interior. They can document the extent of the damage, help with emergency roof tarping to stop further water entry, and guide you on next steps. Policies vary, and your insurer decides what is covered, so your documentation matters.

  • Inspect from the ground or use a drone, never walk on a wet roof
  • Photograph every panel, dent, and water stain you can see
  • Turn off the solar system at the breaker if water is suspected
  • Tarp a damaged roof as soon as it is safe to do so
  • Call a mold professional if you see visible mold growth inside

Repairs and Cleanup

Roof repairs after hail may involve replacing damaged shingles, sealing around solar panel mounts, or even reinstalling panels. The pros who handle water damage cleanup can dry out soaked insulation, remove damaged drywall, and treat any mold that has started. Structural repairs may be needed if rafters or roof decking have rotted.

Solar panel replacement is usually done by a solar installer, not by the pros. However, the cleanup and drying work that follows a roof leak is squarely in the water damage field. Keep the phone number of a reputable solar installer handy, but call the pros first to stop the leak.

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Frequently asked questions

Can a cracked solar panel still produce electricity?

A cracked panel may still work for a while, but water intrusion will cause output to drop and can lead to electrical faults. You should have it inspected and replaced if the glass is broken, because the risk of fire or shock is not worth the small energy gain.

Does homeowners insurance cover hail damage to solar panels?

It depends on your specific policy and the cause of damage. Many policies cover hail as a named peril, but solar panels may have separate coverage or limits. Check your policy documents and talk to your insurance company to find out what applies to your situation.

How long does it take for water damage to show after a hail storm?

You might see ceiling stains within hours if the leak is active, but hidden water can sit in insulation for days or weeks before showing. By then mold may already be growing. So inspect your attic and ceilings promptly after any hail event, and act quickly if you find dampness.

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