Yes, exactly right on the damage part. They are pretty resilient though, and the solar install folks claim they actually strengthen the roof. I'm not sure about that, but they definitely provided shade for that afternoon sun facing roof over our garage and dramatically lowered the temperature in the attic/garage by shading that side of the roof that was previously hit by full sun. The potential for damage is another reason I am a fan of the individual micro-inverter type setup, so that if one or more panels damaged, the others keep producing.. Yes, many of our neighbors had significant cost for food loss in fridge and freezers. We have a quarter cow plus other stuff in ours that thankfully was saved and not at risk. Plus it was nice to have the cold drinks handy!