Solar panels don't really wear out like that. It's possible that severe hail may damage these flexible, less well protected cells but you can easily expect well over a decade out of them. Most residential systems are rated for 25-30 years but can realistically last longer.
Most residential systems have a warranty for 25 years. The manufacturer guarantees that there is no significant degradation for that time. That probably means that they last a lot longer than that.
