You know how car safety is complex and isn't solely attributable to any one system or component, like a seatbelt, or airbags, but rather the combined effects of the whole system of components, in that specific application? Bullet resistance is similar.
My idea for this is basically an enormous, rail-guided heavy, metal garage door that can be raised remotely to cover the entire installation from above. You could even power it with a small power reserve battery that got recharged from the panels, have it automatically get raised when the barometric pressure went too low or after a weather alert for hail came in, etc.
Trying to engineer resistance into the panels for the top 0.1% most extreme hail load is going to increase the cost for everyone, including those who never even get pea-sized hail. Seems wasteful to me.
I'm guessing the top edges of the panels are (or could be made) strong enough to handle a direct hit.
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Yes, big Red Button to re-orient all panels when hail is approaching. Some of these farms are massive so I think it would save enough of them to make it a cost-effective feature. Not sure how much human monitoring goes on though, or if an automated system would be better in case it happens e.g. late at night.
(sorry about the formatting +embarrassed smiley+ )
So long as the system costs more than the insurance savings, it won't be common. However, if your insurer starts demanding it, then it will be installed everywhere quickly.
Even clear glass heats up so it takes some of the energy the panel wants.
That'd be quite a bit cheaper.
Minimises the risks you highlight, maximises protection of the solar panels themselves.
In this case, the netting need not even be particularly transparent. You're looking for loss-minimisation, rather than maximising electrical production at all times. So a fairly thick or heavy webbing might work.
Keep in mind that as the damage inflicted increases with the kinetic energy, that is, with the square of velocity, even a net or webbing which permitted contact of hail with panels but at significantly reduced speed should serve to avoid most damage.