Most Alberta home insurance policies cover hail damage, and the restoration process starts with documenting the damage, filing your claim promptly, and getting a professional assessment before any repairs begin. Calgary is one of Canada's hail capitals, so knowing your coverage and acting quickly protects both your home and your claim. We work alongside you through the process and provide a fixed-price quote for the restoration.

Hail Damage in Calgary: What to Do When Your Home Gets Hit

Calgary sits in Canada’s “Hailstorm Alley” — we average multiple significant hail events every summer. If your home has been hit, this guide walks you through what to do, how to file an insurance claim, and what to expect from the restoration process.

Step 1: Document the Damage Immediately

As soon as it’s safe to go outside:

Photograph every side of your house
Photograph your roof (ground-level shots from multiple angles)
Check siding for dents, cracks, or punctures
Check windows for broken glass or frame damage
Document eavestroughs, soffit, and fascia damage
Check skylights, satellite dishes, air conditioners
Take photos of the hail itself (with a ruler or coin for scale)
Save weather alerts and news coverage of the storm (date stamping)

Step 2: File Your Insurance Claim

Most insurance policies require you to file within 30-90 days of the event. Don’t wait.

When you call your insurance provider:

Report the date of the hail event
Describe the damage you’ve observed
Get your claim number
Ask what’s covered (most policies cover roof, siding, eavestroughs, windows, HVAC units)
Ask about your deductible
Schedule the insurance adjuster’s visit

Step 3: Get a Professional Inspection

Before the adjuster arrives (or in parallel), have a reputable contractor inspect your home. A professional inspection:

Documents ALL damage (adjusters can miss things)
Gives you a detailed scope of work
Advocates for the full replacement when warranted
Identifies upgrades that insurance might cover

Step 4: Meet with the Insurance Adjuster

Have your contractor present during the adjuster’s inspection if possible. They can speak the same technical language and advocate for complete repairs.

After inspection, the adjuster provides an estimate. This isn’t always the final payout — reputable contractors can often negotiate supplementals for additional damage.

Step 5: Choose Your Contractor

Be cautious of “storm chaser” contractors who arrive in Calgary after major hail events. Look for:

Local Calgary business with physical address
Active BBB profile and reviews
Proper insurance and WCB coverage
Detailed written estimates
Willingness to work directly with your insurance company
Written warranty on workmanship

Step 6: The Restoration Process

Typical hail restoration timeline:

Phase	Duration
Insurance approval	2-4 weeks
Contractor scheduling	2-8 weeks (peak season)
Roof replacement	1-3 days
Siding replacement	1-2 weeks
Window replacement	1-3 days
Eavestroughs/soffit/fascia	1-3 days

⚠ Estimate Disclaimer: These are only ROUGH estimates that can vary wildly. Do not take these numbers as gospel. Having a defined scope of work and exact selections will give you clarity.

Upgrade Opportunities During Restoration

While you’re replacing anyway, consider:

Class 4 impact-resistant shingles — better hail performance, insurance discounts
James Hardie fiber cement siding — harder to damage than vinyl
Triple-pane impact windows — Calgary-appropriate upgrade
Leaf guards on eavestroughs — while they’re off anyway

Common Insurance Questions

Will my premium go up after a hail claim?

Hail is an “act of God” — most Calgary insurers don’t raise rates for weather claims. Always confirm with your provider.

What if the adjuster’s estimate seems low?

Your contractor can file a supplemental for additional damage found during work. This is normal.

Can I get a discount for hail-resistant upgrades?

Yes — many Calgary insurers offer 10-25% discounts for Class 4 roofing.

Hit by Hail? Let’s Help

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Frequently asked questions

Does home insurance cover hail damage in Calgary?

Most Alberta policies cover hail damage to roofs, siding, and other exterior surfaces. Check your specific policy for deductibles and any exclusions before you file.

What is the process for a hail damage insurance claim?

Document the damage with photos and dates, contact your insurer to open a claim, and get a professional assessment. Your adjuster reviews it, and once approved, restoration can begin.

How long do I have to file a hail claim in Alberta?

Most insurers expect prompt reporting, often within a set window after the storm. File as soon as possible, since delays can complicate approval and let hidden damage worsen.

How much will hail restoration cost me?

Often your main out-of-pocket cost is your policy deductible, with the insurer covering the approved repairs. Your fixed-price quote will vary based on your selections and square footage.

Hail Damage Restoration Calgary: Your Complete Insurance Guide