Ins would only be involved for possible payout instead of a new roof (hail damage claim for replacement)
Discussion
Right.
You'll still want to have your roof support structure assessed to determine if it can handle the additional load, as many offer roofs were not built with the additional stresses that panels put on roofs.
If you're going to pay an installer, try to find a local dude who does it. If you can find a guy, you can spec out a better system with better components that you source yourself and just pay for install labor.