The price of a solar system will vary depending on the financing you use. Many solar installation companies work with specialized solar lenders and will provide you with solar financing options. A home equity loan, or HELOC can be applied for by them. You'll want to compare several different solar installation companies before making your final decision. Make sure the company has good reviews on Google and has their contact information available online.
Professional solar installers have access to specialized equipment needed for the job. In order to properly install solar panels, professionals have been trained. Installing solar panels yourself is not something you should do unless your electrician license permits. Without the appropriate equipment and knowledge, you run the risk of damaging the wiring or shorting out the system.
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Although rare, direct strikes would melt (or destroy) inverters and panels. Direct strikes are less likely but would cause high voltages to the system, breaking down components, conductors and PV panels, as well as dangerous sparking which could ignite combustible materials.