I have multiple friends who have had significant damage to their home solar setups this year alone due to hail and high winds in North Texas.
Some who didn't have hail damage are now having difficulty getting other roof damage repaired because in order for their warranty to be valid they need certain people to remove the panels before other roof work can be done. But those people are massively backed up by all the other people needing panels removed/reinstalled/replaced.
A lot of panels are pretty solid these days. For the friends I had in mind its regular roof damage. High winds tearing up the shingles leading to water ingress inside their homes.
And then hail punches through your solar panels and you have to pay for that.
If there were a cheap, easy solution, people would have done it already.