In Texas we get a lot of hail, and there are large deductions before they pay out, and it is not part of a roof policy.\
That 2% seems cheap.
Solar panels are typically covered in your homeowners insurance as they are considered a permeant attachment to the property. There may be some exclusions, such as wind damage, you’d have to check your policy or talk to your Agent for specifics, as they may vary from carrier to carrier.
The “rate” is determined by the COPE factors, as well as other expenses the insurance company incurs in underwriting your insurance policy.
Construction, Occupancy, Protection, Exposure
I am interested in more mundane subjects like the wars famines pandemics and stolen elections. Maybe you should be asking the motley fool.
In Kansas. I contacted American Family and my agent had never encountered this question. This happened 3 months ago. Our solar system went live early May (28 panels). The added cost for added coverage is $25 per month.
My insurance has no riders nor discounts for solar. Thus, rebuilding my house as it is with solar would cost more than without solar simply on solar being another cost if I had to rebuild. I increased it more also for the related changes I made (my new hybrid water heater would cost more to replace than the gas water heater I used to have).
I would only purchase panels if I had the room to put them in my yard and not my roof. They add a lot of weight, act as a wind sail and if you need a roof replaced, you’ll have to pay to have them removed & reinstalled.
In Florida my first inclination would be to say ‘yes’as I’ve seen too many roofs with blue tarps after a storm but apparently they are secured pretty well to the roof.
If you have trees and/or possible flooding I would look into it for sure. Can you raise the deductible just on the solar?