alt Hacker News} What are you going to do when winds rip the solar panels off your roof, or drop a big tree branch on them? Who will you call to repair it? Who will pay for it?
How is that different than any other weather related house damage? You'd call your insurance company and a licensed contractor.
Assuming the house is habitable, you'd still have grid power, or if not you'd move temporarily while repairs took place.
The point is, if it's your home solar system, damages and repairs are your problem to manage. Localized grid outages might be more common, but you don't have to lift a finger or pay anything extra to get them repaired. The utility just does it. And they start working immediately, even in the middle of the night or on weekends.