Advice · 6 min read

Hail damage on solar panels: how to check, what to do and how to claim

Hail can crack solar cells without breaking the glass, so panels can look fine from the ground and still be damaged. The reliable way to check is a thermal inspection, which shows cracked and failing cells as hot spots, and its written report is what your insurer will want to see.

Thermal image of solar panels showing bright hot spots on damaged cells
The short answer

After a hail storm, stay off the roof, check your monitoring app and inverter for errors or lower output, and photograph any visible damage from the ground. Then book a thermal inspection, which finds micro-cracks and hot spots you can't see. Many home policies cover storm damage to solar, so call your insurer with the inspection report.

Key points
  • Hail can crack cells without breaking the glass.
  • Stay off the roof: damaged panels can still be live in daylight.
  • A thermal inspection finds hidden cracks and hot spots.
  • Our home hail check is $149 in hail season. Full thermal inspections are normally $750.
  • A report with thermal images, a panel map and an electrician's recommendation backs your claim.

Signs your solar panels have hail damage

  • Visible cracks, chips or a cloudy, shattered look on the glass
  • Lower output than usual for the weather in your monitoring app
  • Inverter errors, especially isolation or earth fault warnings
  • Dented frames or damaged roof sheeting around the array

Plenty of hail damage shows none of these straight away. Micro-cracks in the cells can take months to show up as lost output, and by then it's harder to link them to a particular storm.

How hail damages solar panels

Solar panels are built with toughened glass and tested against hail, so most storms don't break them. The risk is what happens underneath. A hard impact can flex the glass enough to crack the thin silicon cells, even when the glass survives.

Those micro-cracks don't always cut output straight away. Over months of heating and cooling they can spread, cut off parts of a cell and create hot spots. Hot spots make less power and, in bad cases, can damage the panel further.

Hail can also dent frames, damage cable and connectors exposed on the roof, and crack roof sheeting or tiles around the array, letting water in.

Had a storm? Book a $149 hail check.

Send us your details and what happened. We'll book a thermal inspection and give you a report for your insurer.

Get a free quote

Why thermal imaging finds what you can't see

A healthy panel runs at an even temperature. Cracked cells, failed bypass diodes and bad connections run hotter. Our DJI Matrice 4T thermal drone, flown by a CASA-licensed pilot, picks up those hot spots across the whole array in one flight. The zoom camera then checks the glass and frames up close.

Nobody walks on your panels. That matters, because walking on panels can cause the very cracks you're trying to find.

What it found in Gawler

On a commercial roof in Gawler in October 2026, the thermal camera showed rows of cells that had overheated under built-up dirt. From the ground they looked fine. The cells had burnt and the whole system needed replacing. That wasn't hail, but it's the same lesson: damage you can't see is still damage, and a regular check would have caught it.

What to do after a hail storm

  1. Stay off the roof. Damaged panels can still carry live DC voltage in daylight, and wet roofs are slippery.
  2. Check your app and inverter for errors or a drop in output. If you're not sure how to get your monitoring back online, see connecting a Sungrow inverter to WiFi.
  3. Take photos from the ground of anything you can see, with the date.
  4. Book an inspection. Our home hail check is $149 during hail season. A full thermal inspection is normally $750.
  5. Call your insurer with the report. Many home policies cover storm damage to solar, but check yours.

If you smell burning, hear crackling or see smoke from the inverter or panels, don't touch anything and call us on 0425 322 552.

What a hail check costs

InspectionPriceBest for
Home hail check$149Homes after a storm, during hail season
Full thermal inspection$750Larger systems, commercial roofs, detailed fault finding

Both use our thermal drone, so the inspection is done from the air without anyone on your roof. See thermal drone inspections for how it works.

Making an insurance claim

Insurers want to know what was damaged, how and when. A good report includes:

  • The inspection date and conditions
  • A panel map with each fault marked
  • Thermal and zoom images of every flagged panel
  • A licensed electrician's recommendation to repair or replace

That's what our report covers. The decision on your claim is always your insurer's. We can also quote and complete the repair work. See solar insurance work.

Lodge the claim promptly. The longer the gap between the storm and the inspection, the harder it can be to show the damage came from that event.

Repair or replace?

A few damaged panels can usually be swapped, as long as a compatible panel is still available. Panel models change often, so on older systems an exact match can be hard to find.

If your panels are no longer made, or a lot of the array is affected, replacing the system can make more sense. It's also a good time to add a home battery. We'll give you both options so you and your insurer can compare.

Either way, damaged panels should be dealt with rather than left on the roof. A cracked panel can let moisture in over time, which can lead to faults that trip the inverter or affect the rest of the string.

FAQ

Quick answers.

Can hail damage solar panels without breaking the glass?

Yes. Hail can cause micro-cracks in the cells under intact glass. They often show up as hot spots on a thermal camera before they show up as lost output.

How do I check my solar panels for hail damage?

Check your monitoring app for lower output and your inverter for errors, then book a thermal drone inspection. Don't get on the roof.

Does home insurance cover hail damage to solar panels?

Many home policies cover storm and hail damage to solar, but it depends on your policy. A thermal inspection report gives your insurer clear evidence.

How much is a thermal solar inspection?

Our thermal inspections are normally $750. The home hail check is $149 during hail season.

Can I still use my solar after hail?

If there's visible damage, an inverter error or any burning smell, don't touch the system and call us. Otherwise it can keep running, but watch your output until it's been checked.

Free quote

Had a storm? Book a $149 hail check.

Send us your details and what happened. We'll book a thermal inspection and give you a report for your insurer.

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