To file a hail damage insurance claim in Calgary, document the damage with photos and dates, contact your insurer promptly to open a claim, and get a professional roof and exterior inspection before your adjuster's assessment so nothing gets missed. Calgary sits in a hail-prone corridor, so timely, well-documented claims matter. We can inspect your roof, siding, and exterior, provide a detailed fixed-price quote for the repairs, and coordinate directly with your adjuster.

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:

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

A good contractor will provide inspection 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

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Frequently asked questions

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

Timelines vary by insurer, but most expect you to report hail damage promptly after the storm, often within a set window in your policy. It is best to open the claim quickly and get an inspection so damage is documented while it is fresh.

Will you help with the insurance adjuster?

Yes, we can inspect your roof and exterior, document the damage, and provide a detailed fixed-price quote that your adjuster can work from. Having an independent assessment often helps make sure nothing is overlooked.

How do I know if my roof has hail damage?

Signs include dented or bruised shingles, granule loss in gutters, and damage to soft metals like vents and flashing, though much of it is hard to spot from the ground. A professional inspection after a major Calgary hailstorm is the reliable way to confirm it.

How much will the repairs cost me?

With an approved claim, much of the repair is typically covered by your policy minus your deductible, but the scope depends on the damage. Your fixed-price quote will vary based on your selections and square footage, and we will lay it out clearly for you and your insurer.

How to File a Hail Damage Insurance Claim in Calgary