> Unless they break my roof?

Nope, not even then. Many insurance companies seem to right off any responsibility if you lease solar panels. That said, even if installed correctly, should you experience normal wear or weather-related damage, they seem to still stiff the consumer if you happen to be leasing panels. The reasoning is that it's not your property that is associated, so they expect the company you are leasing to handle it. But many of those leased companies have a clause waving responsibility. Some people have tried fighting such things, but you're talking about lots of legal costs and time in the process.