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Good point! I guess I view panels as being especially vulnerable because of their fragility and exterior location.

I've also heard that one way to get booted from your homeowner's insurance is to ever file a claim. I know several people who lost coverage after their first claim (decades after becoming a customer).



Anecdotally, I know plenty of people who've filed claims without repercussions. Rates might go up a bit, though. Your friends might consider contacting their state's insurance regulator.




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