Does homeowners insurance cover roof leaks with solar panels?
Short answer. It depends on the cause. A leak from storm damage is generally covered by homeowners insurance like any roof leak, but a leak at a panel mounting point is usually an installation issue for the solar installer's workmanship warranty, not insurance. Leased panels are typically the leasing company's responsibility.
Common leak sources on solar roofs
- Mounting penetrations: each rail attachment is a hole in the roof. Poor flashing or sealant only mounts are a frequent leak source.
- Conduit and wire entries: where wiring passes through the roof or attic.
- Storm damage: hail and wind damage the shingles around and under the array like any roof.
- Debris dams: leaves and pine needles trapped under panels hold water against the shingles.
Who is responsible
- Installation leaks: the solar installer's workmanship warranty. Check its length and whether it covers roof penetrations specifically.
- Storm damage to roof or panels: homeowners insurance if you own the system. Confirm your dwelling limit accounts for the panels.
- Leased or financed by a third party: the system owner typically insures the panels.
Solar and a roof claim
If storm damage requires a new roof, the panels must be removed and reinstalled. That detach and reset cost should be on the insurance estimate. Make sure the array is documented, because panels can hide damaged shingles underneath. Read the Xactimate guide to check for those lines.
Photograph before calling anyone
Note where the stain appears relative to the array, and photograph the attic around mount points. See interior water damage coverage and wear and tear vs storm damage.