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How to File a Hail Damage Insurance Claim in Calgary

Exterior Renovations

How to File a Hail Damage Insurance Claim in Calgary

Filing a hail damage claim can feel overwhelming — but the process is straightforward if you follow the right steps. Here’s exactly what to do.

Step 1: Document the Damage Immediately

The day after the hail event (or as soon as it’s safe):

  • Photograph every side of your home
  • Get ground-level photos of your roof from multiple angles
  • Photograph siding, windows, eavestroughs, garage door
  • Document vehicles, deck, AC unit, yard structures
  • Save photos or videos of the storm itself
  • Save news articles or weather service bulletins confirming the event
  • Note the exact date and approximate time of the storm

Step 2: Review Your Insurance Policy

Before calling, check your policy for:

  • Deductible amount (typically $1,000-$5,000 for hail)
  • Coverage limits on roof, siding, windows
  • Filing deadlines (usually 30-90 days)
  • Exclusions (some policies exclude cosmetic damage)

Step 3: Call Your Insurance Provider

When you call, have ready:

  • Your policy number
  • Date and time of the hail event
  • Description of visible damage
  • Photos (ready to email)

You’ll receive a claim number — write it down. The insurance company will schedule an adjuster visit, usually within 1-3 weeks.

Step 4: Get a Professional Inspection

Before the adjuster arrives, have a reputable roofer inspect your home. This serves two purposes:

  1. You know the full scope of damage before the adjuster arrives
  2. The contractor can attend the adjuster meeting and advocate for complete repairs

A good contractor will provide free inspections during hail season.

Step 5: Meet with the Adjuster

The insurance adjuster will:

  • Climb your roof and examine damage
  • Document damage with photos
  • Measure the severity
  • Prepare a scope of work and estimate

Have your contractor present if possible. They can spot damage the adjuster misses.

Step 6: Review the Adjuster’s Report

The adjuster’s report will include:

  • Itemized list of damages and repairs
  • Estimated cost
  • Your deductible
  • Depreciation (if ACV policy)
  • Actual Cash Value (ACV) or Replacement Cost Value (RCV)

Don’t sign anything immediately. Review with your contractor first.

Step 7: Choose Your Contractor

Avoid storm-chasers. Choose a contractor who:

  • Has a physical Calgary business
  • Can work directly with your insurance company
  • Provides written estimates and contracts
  • Has proper insurance and WCB coverage
  • Offers workmanship warranty

Step 8: File Supplementals If Needed

If your contractor finds additional damage during work, they file a supplemental claim with your insurance. This is normal and expected.

Step 9: Receive Payment

Most Calgary insurance companies pay in 2 installments:

  • ACV payment: Issued upfront (minus your deductible)
  • Depreciation: Released after work is completed and invoiced

Common Claim Mistakes to Avoid

  • Waiting too long to file — claims can be denied past the deadline
  • Settling too quickly — review all damages before signing
  • Using storm-chaser contractors — they leave town after the job
  • Skipping the contractor at adjuster meeting — you lose an advocate
  • Not getting multiple opinions — second contractor inspection is often worthwhile

Need Help with a Claim?

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Contact Olympic City Renovations for a free consultation.

Olympic City Renovations serves Calgary, Priddis, Okotoks, and surrounding communities.