Solar Panel Damage Insurance Claim Support
Protecting Your Investment in Solar Energy
Solar panels are a major investment for businesses, municipalities, schools, and solar farms. When they’re damaged by hail, wind, fire, or other perils, insurance claims can quickly become complicated. Insurers often underestimate the true cost of repair or replacement — leaving policyholders with unexpected expenses.
At Gavnat Public Insurance Adjusters, we advocate for policyholders to ensure solar panel damage is properly assessed, documented, and compensated.
Storms Can Wipe Out More Than Just Roofs
Solar panels are highly efficient — but also highly vulnerable to hail, debris, and wind. Even minor cracks or alignment issues can reduce performance or void warranties. Insurance claims for solar systems often get undervalued because damage isn’t obvious to the untrained eye
Examples of Solar Panel Damage:
- Cracked or shattered photovoltaic cells
- Frame damage from hail impact
- Roof penetration leaks from mounting hardware
- Wiring, inverter, or electrical system failure
- Performance degradation (loss of energy output)
How Gavnat Supports Solar Panel Damage Claims
Comprehensive Inspections:
We document visible and hidden damage with detailed reports and expert assessments.
Policy Review & Clarification:
We break down your coverage to confirm solar panels are included and pursue the full scope owed.
Negotiation With Carriers:
We push back against partial settlements to secure full replacement or repair when needed.
Protection of Energy Investment:
We advocate for compensation that reflects not just the hardware, but also lost performance and benefits.
Common Challenges With Solar Damage Claims
Solar insurance claims are uniquely complex—often involving layered coverages, engineering questions, utility coordination, and carrier scrutiny that can significantly impact settlement outcomes. Common challenges include:
- Hidden Micro-Cracks – Insurers may only approve visible panel replacement, overlooking internal fractures that reduce performance.
- Disputes Over Coverage – Carriers sometimes argue that solar panels are excluded, or only partially covered under policies.
- Lowball Settlements – Insurers may offer compensation for patch repairs, rather than full system replacement.
- Interruption of Energy Credits – Loss of energy production and utility credits often go uncompensated.
Don’t Let Damage Dim Your Investment
Solar panels are designed to last decades — don’t let insurers cut corners when damage occurs. Gavnat Public Insurance Adjusters fight for a fair settlement so your system is restored to full efficiency.
Why Policyholders Choose Gavnat for Solar Claims
Having an expert on your side is critical when navigating the technical and financial complexities of a solar insurance claim. Policyholders choose Gavnat because of our:
- Specialized Knowledge – Experience handling solar-specific claims across commercial and municipal properties.
- Proven Advocacy – We’ve helped policyholders recover the true replacement cost for solar systems, not just patch repairs.
- Trusted Support – Business owners and contractors rely on us to ensure solar investments are fully protected.
Proven Results for Our Clients
See More Results
+270% – Recent Results – Inver Grove Heights, MN
After a hailstorm damaged a large portion of the roof of an apartment complex located in Inver Grove Heights, MN, their insurance company offered a settlement of $386,271 to cover the damages. The owner of the complex gave our team a call, and we discovered that the damage was far more extensive than the insurance company claimed it was. We got in contact with the insurance company directly, and we recently reached a settlement for over $1,444,000 — an increase of 270%!
Services for Solar Panel Losses
Insurance Adjusting
Proper claim management for solar damage, from documentation to settlement.
Insurance AdjustmentsInsurance Appraisals & Mediation
When disputes arise, we represent you in appraisal or mediation to achieve a fair resolution.
AppraisalExpert Testimony
If litigation becomes necessary, Gavnat provides expert witness support for solar-related claims.
Recent Results
Gavnat and Associates has a history of working diligently to get home and business owners the compensation they are entitled to from property damage claims. Check out some of the recent work from some of the best insurance claims adjusters that Minneapolis has to offer.
$478,000 Increase – Recent Results – Panora, IA
A family owned and operated hog farm in Panora, Iowa suffered significant windstorm damage to buildings on their property. Their insurance company initially offered a $7,100 settlement. After our adjusters got involved, we negotiated an increase to nearly $485,000.
From $43K to $1MM – Recent Results – Hopkins, MN
A commercial warehouse in Hopkins, Minnesota experienced storm damage to a significant portion of their facility. The owners were initially offered a settlement of $43,000. They brought us in and we came to an agreement with the insurance company to pay more than $1,074,000.
$1.7MM Increase – Recent Results – Des Moines, IA
A Des Moines, Iowa apartment complex started on fire in February, causing significant hardship to residents in many units due to the cold winter temperatures. After a thorough investigation we worked with their insurance carrier to increase the settlement from $152,757 to $1,852,500 – and got residents back into their homes as quickly as possible.
Frequently Asked Questions
View All FAQsImmediately. Early inspections allow us to document damage before repairs or weather exposure worsen issues. Still, we can step in at any point — even after a denial or partial settlement.
Yes, but insurers often overlook this. Lost performance, reduced efficiency, and missed credits should be part of a properly documented claim. We advocate for these financial impacts to be included.
Many carriers try to pay only for individual damaged panels, but mismatched replacements can affect performance and warranties. Gavnat fights to secure fair compensation for proper system replacement when necessary.
Panels can suffer hidden micro-cracks or internal damage that reduces efficiency without obvious visual signs. Insurers often deny these losses unless properly documented. We use expert inspections and reports to prove hidden damage.
In most cases, yes — solar panels permanently attached to your property are covered under your standard policy. However, some insurers classify them differently or add exclusions. Gavnat reviews your policy to confirm coverage