What happens if it hails? I get this question all the time. You have to keep in mind that these solar panels are engineered and built to go on top of roofs, and to go on fields and solar farms for literally decades, right? It'd be pretty silly if the engineers didn't have that in mind. They're going to get pounded with the elements over the next 25 to 40 years while you have your solar system. They're engineered to handle all the regular stuff. The rain, hail, wind, sleet, snow, whatever it might be, right?
They are hail tested with two inch wide hail balls being shot at them at 75 miles an hour. It's actually pretty neat how they're tested. I'm standing next to a solar panel right here. It's got a tempered glass coating over it, and you can kind of compare it to a car windshield, right? If it starts hailing and you're driving down the road, it's totally fine. It's going to handle it.
Now, if something happens that's crazy, right? Maybe baseball size hail, rarely happens right? But, that might do some damage to your solar panels, or what if a tornado rips off your roof, your panels go with it? What if a lightning bolt hits your solar panels, and fries the whole system? That's all covered by your homeowners insurance. Homeowners insurance will cover any acts of God, any extreme acts of God. They do it for anywhere between nothing, and about 60 bucks a year. A super minimal expense. I've had some customers, they haven't increased it at all. I've had some customers that increased by three bucks a month. The ones that don't increase it at all, we asked them why. Really you can kind of compare it to doing an upgrade to your kitchen, like a $20,000 makeover to your kitchen. Your homeowners insurance isn't going to go up, right? It's only if you do square footage additions to the home.
If you have a rooftop solar system that's going on top of the home and it's not a ground mount in the backyard, very minimal expense between nothing and 60 bucks a year. That covers any crazy acts of God, but anything else you guys, on the regular stuff, these things are strong.