(work safe). I will be consulting with my insurance agent shortly on the best way to cover this investment.
See a reply earlier in this thread from me about the subject of black out and anti-islanding features.
We get, maybe 12 inches of snow in 20 years here. Not much of a worry. The panels will have a reduced output if anything blocks their view of the sun. Personally, I wouldn't do anything to try to remove the snow. I'd just let it be.
The one thing you have to also account for is that, during the day, I won't be pulling nearly as much energy from the grid as I did without the panels.
Much like when I installed my on-demand water heater, I'm not doing this for the immediate (or even mid-long-term) pay back. Other options to increasing the system's output include upgrading to 255 watt panels and adding more panels to the system.