About 18 months ago we got 4 solor panels damaged one very stormy night, in short the wind lifted the mounting from the roof and crashed it back down, pulling the panels out of their fixings and smashing some of the glass on the panels. Later that same night we got struck by lightening and all the electrical system fryed. We have buildings and content insurance with BBVA bank. I telephoned their claim line, spoke to a guy in English, who arranged for their assessor to come around the same day to check it all out, while asking us to get our solar engineer to ring them at once to discuss the replacement equipment. He was told to put an estimate of work and replacement equipment in, and the whole claim was settled and the system brought back upto speed within 3 weeks.

So should you have insurance - personally  would not leave home without. I was never asked if I have grills on the windows and i live on top of a mountain  :-*