kiki wrote:
I don't believe that my homeowner's insurance will cover this. No one
is willing to take down the solar panels, whether a roofer or a solar
installer. They don't want the liability. Literally no one will
touch my roof at any price.

You need to check with some more roofers. Removing solar panels here
prior to reroofing in Florida is a common requirement. Most roofers
have a relationship with a solar heating company and the two of them
together can do the job for you.