>>>Oh, fire risk? What on earth are you on about? Insurance risk? What are you on about?

Adding a whole bunch of electrical equipment (that's exposed to the elements, wildlife, etc.) absolutely increases the risk of fire. Panels are heavy as well, so you're increasing the load on the roof, could increase risk of collapse (especially in areas that get lots of snow). Plus, if you don't notify your insurance company, it's at best not going to cover replacement cost of panels if something goes wrong and at worst invalidate your whole policy.