Protecting Your Solar Investment: Hail Damage

Australia boasts over 4 million rooftop solar systems, but recent massive hailstorms have highlighted the risks you face in the harsh Australian weather.

Modern panels meet Australian standards to withstand 35mm hail, but larger stones (such as the 11cm hail recorded in Queensland at the end of 2025) can crack glass, damage cells, or cause hidden microcracks, reducing output and posing safety risks like electrical faults.

If you suspect hail damage, follow these finance-savvy steps to minimise costs and downtime:

1. Prioritise Safety – Isolate the System
   Don’t touch or climb near panels! Shut down safely:

• Follow your solar’s shutdown procedures that should have been provided when it was installed.
• Hint: Keep your system’s shutdown procedures accessible near the switchboard. This allows fast and safe system isolation if needed.

2. Spot the Signs

• Check your inverter/app for errors, red lights, or sudden production drops.
• From the ground, look for visible cracks or breaks.
• Hidden damage may worsen over time, so monitor output closely.

3. Get Professional Help
   Book an inspection ASAP and don’t DIY repairs. Take photos for records.
4. Claim on Insurance
   Most home policies cover solar panels for hail. Act fast:

• Notify your insurer, or call your Astute General Insurance Broker
• Follow your Broker or Insurers guidance on what to do next
• Hint: Check your policy’s sum insured matches replacement value to avoid shortfalls.

Pro tip: Review your insurance coverage annually, especially in storm zones. Proper insurance keeps your solar savings intact.

Preparation beats expensive surprises, so stay vigilant this storm season!