^ If you have homeowners insurance, talk to your insurance company. They will pay to replace the panel. The security companies (atleast the big ones like ADT, Brinks etc) do not budge.
P.S. Speaking from personal experience :)
Please do share your experience. My home insurance has 1000 dollars deductible. I will fight to the end.
I am finding out when it comes to customer service and sales tactics the alarm companies suck.