My alarm company is trying to rip me off.

This is an interesting scenario mirch...

Just to give you an insight, I design industrial electronics and know the inside outs out of isolation barriers, and alot of it has to do with lightning strikes. Firstly, that technician who told you that your panels toast because of a lightning strike might seem like hes making stuff up, but it could be and is probably true. You said your equipment is covered and lightning could not have struck the proximity. However, lightning strikes are usually nearby (most likely a transformer) and they send distributed surgewaves and cause damage. So in essence, the lightning must have struck somewhere else but still ended up damaging your equipment. Now we design a product that we do actually replace/repair in case of a lightning strike though we are not bound to. We do it solely because most of our clients are pretty big names and we would want to retain their business. In your scenario you are just one of the many home owners they service so they might not be willing to write that damage off. Now again, its not our fault as lightning strikes are pretty random and an 'act of god' and no matter how well our equipment is designed, we can only design it to protect a user from the surge but not to save it from total damage. As a consumer and a homeowner, I am with you, but as a design engineer I am compelled to side with that company whose refusing to budge in on this.

p.s. did they tell you its recommended to put some surge protectors to the system? if not, you have a way to convince them its their negligence in warning you that resulted in tihs.