Hail Damage Insurance Claim Roofing in Calgary

A hail damage insurance claim on a Calgary roof goes best when the damage is documented before the adjuster arrives. We inspect and photograph every hit, meet your adjuster on the roof, check their estimate against what the roof needs, and then do the work. We are roofers, not public adjusters, so we help you prove the damage and leave the settlement between you and your insurer.

Prefer to talk? Call [403-XXX-XXXX]

Licensed & WCB coveredWCB Alberta [WCB ALBERTA ACCOUNT #]
Local Calgary office[STREET ADDRESS]
10-year workmanship warrantyIn writing, on every job
Read our Google reviewsReal customers, unedited
We work with your insurerPhotos, measurements, adjuster meetings
Local crew, not storm chasersHere since 2011

Our part in your claim, and what we don’t do

We do:

inspect the roof, gutters, vents, siding and windows, and photograph every hit with a scale reference
measure the roof and produce a material and labour scope in a format adjusters recognize
meet your adjuster on site, with your permission, and point out damage
compare the insurer’s estimate with the roof’s real needs, and flag missing line items with evidence
do the repair or replacement, and send completion photos for your file

We don’t:

negotiate your settlement (in Alberta that requires an adjuster licensed by the Alberta Insurance Council)
promise that a claim will be approved, or how much it will pay
waive, rebate or “cover” your deductible
ask you to sign over your insurance cheque or sign a contract at the inspection

The claim process, step by step

Free inspection. We confirm whether there is hail damage, how much, and on which slopes. You get the photo report.
Open the claim. Call your insurer or broker, give the storm date and describe the damage. Write down the claim number and the adjuster’s name.
Adjuster inspection. Tell us the appointment time and we will be there. Adjusters see hundreds of roofs after a big storm. Having the damage already marked and photographed keeps nothing from being missed.
Estimate review. Your adjuster sends a scope of loss. We check it against the roof for missing items, such as ice and water shield at the eaves, drip edge, starter strip, ridge cap, vent replacement, sheathing allowance, and additional layers to strip.
Supplement request, if needed. If something is missing, we prepare photos and measurements. You send them to your adjuster and ask for a review.
Contract and scheduling. You sign our contract only once the scope is agreed. We book a start date and order materials.
The work. One to two days for most replacements. You pay your deductible to us, as your policy requires.
Close-out. We send completion photos and an invoice to you and, if you want, your insurer. Many replacement-cost policies pay in two parts, with the balance released once the work is done.

Our Alberta hail claim guide covers deadlines and paperwork in more detail.

Common estimate gaps on Calgary hail claims

These are the items we most often see left off a first estimate. They are not padding. Each is required by building practice or the shingle manufacturer:

Ice and water shield at eaves and valleys
Drip edge replacement, since it is usually dented
Roof vents, vent boots and exhaust caps, which take the hardest hail hits
Starter strip and hip/ridge cap as separate items from field shingles
Steep-pitch and high-roof labour on two-storey and steep homes
Removal of extra layers on older roofs
Eavestroughs and downspouts, often on the same claim

Watch for storm chasers after a big storm

After the storms of 2020 and 2024, Calgary saw waves of door-to-door contractors. Many are not licensed to take deposits in Alberta. Before you sign, ask for a Service Alberta prepaid contracting licence number, a WCB clearance letter, proof of liability insurance and a local office address. Ours: licence [SERVICE ALBERTA PREPAID CONTRACTING LICENCE #], WCB [WCB ALBERTA ACCOUNT #], office at [STREET ADDRESS], Calgary, AB [POSTAL CODE]. See our storm-chaser checklist.

Keep these documents in one folder

Claims go faster when everything is in one place:

policy number and declarations page (deductibles, coverage limits)
claim number, adjuster’s name, email and phone
your own dated photos and our inspection report
the adjuster’s estimate (scope of loss) and any revised versions
emails about supplements or disputes
our contract, invoices and completion photos
receipts for emergency repairs such as tarping

Holdbacks and depreciation, explained

Many replacement-cost policies pay a hail claim in two parts:

First payment: the actual cash value, meaning the replacement cost minus depreciation for your roof’s age and condition, minus your deductible.
Holdback: the depreciation amount, released once the work is complete and the insurer receives proof, usually the final invoice and photos.

Illustrative example: the replacement cost is $16,000 and depreciation is $4,000, with a $1,000 deductible. The first cheque is $11,000. The $4,000 holdback is released after the roof is done. If your policy pays only actual cash value, there may be no holdback at all. Your policy wording decides it.

We send completion paperwork promptly so the holdback isn’t delayed.

Claims after a large storm

After the 2024 storm, more than 130,000 claims were filed and adjusters were brought in from across the country. Expect slower responses after big events. Report early, keep your folder organized, and follow up in writing.

Start with a free inspection: use the form on this page or call [403-XXX-XXXX].

Frequently asked questions

Should I call my insurer or a roofer first after hail?

Either order works. Many homeowners book a free roofer inspection first to confirm there is real damage before opening a claim. If you already know there is damage, such as a leak or broken shingles, report it to your insurer right away, then book the inspection.

Can a roofer negotiate my insurance claim for me?

No. In Alberta, acting as an adjuster on someone else's claim requires a licence from the Alberta Insurance Council. A roofer can document damage, provide measurements and photos, attend the adjuster's inspection and point out damage. We do exactly that and nothing more.

What if the adjuster says my roof only needs a repair?

Ask what the decision is based on. If our documentation shows more damage than the adjuster recorded, you can ask for a re-inspection and send our photos. If you still disagree, your policy sets out a dispute process, and Alberta homeowners can contact the General Insurance OmbudService. We give you the evidence; you decide how to proceed.

Will you waive or cover my deductible?

No. Your policy requires you to pay the deductible, and a contractor who offers to absorb it may be inflating the estimate to the insurer. That can put your claim at risk. It is one of the most common storm-chaser tactics.

How long does a hail roof claim take in Calgary?

Straightforward claims often move from inspection to finished roof in a few weeks. After a major storm, adjuster and contractor backlogs can stretch that to months. After the 2020 Calgary hailstorm, insurers had closed about 90% of claims within a year. Reporting early and sending complete documentation helps.

Does filing a hail claim raise my premium?

Hail is a weather claim, not an at-fault one, but any claim history can affect future pricing and some insurers rate by area. Ask your broker. If the damage costs less than your deductible, we will tell you it is not worth claiming.

What if my roof was already old when the hail hit?

Hail damage is covered regardless of roof age on most policies, but some policies pay older roofs at depreciated value instead of full replacement cost. Check your policy's roof wording. We document the roof's condition and age either way.

Insurance Claim Roofing near you

Insurance Claim Roofing in Calgary
We are Calgary roofers who focus on what this city's roofs actually face: hail, chinook winds and freeze-thaw. Our office is in the city, our crews work every quadrant, and most of our jobs start with a free hail inspection and end with an insurer-approved repair or replacement.
Insurance Claim Roofing in Northeast Calgary
Northeast Calgary has taken two of the worst hailstorms in Canadian history in four years. We repair and replace hail-damaged roofs in Saddle Ridge, Taradale, Redstone, Skyview Ranch, Cityscape and the rest of the NE, and we know these subdivisions' roofs well because many of them are on their second or third hail claim.
Insurance Claim Roofing in Northwest Calgary
The August 2024 hailstorm entered Calgary from the northwest, and communities like Evanston, Sage Hill and Kincora took egg-size hail. We inspect, repair and replace hail-damaged roofs across northwest Calgary, from the newer communities off Stoney Trail to established areas like Tuscany and Varsity.
Insurance Claim Roofing in Airdrie
Airdrie sits on the same hail corridor as north Calgary, and it has been hit more than once since 2014, most recently by the August 8, 2026 storm that tracked down the Crossfield and Airdrie corridor. We handle roof repair in Airdrie from a free hail inspection through the insurance claim to the finished roof.
Insurance Claim Roofing in Cochrane
Cochrane roofs deal with two things Calgary roofs get less of: hail from storms that form right over the foothills, and strong chinook and west winds funnelling down the Bow Valley. We handle roof repair in Cochrane for both, with high-wind installation and a free hail inspection to start.
Insurance Claim Roofing in Strathmore
The August 5, 2024 storm did not stop at Calgary's city limits. One of its most damaging cells crossed north Calgary and then Strathmore, where golf-ball-size hail was reported. We provide roof repair in Strathmore and Wheatland County, from a free hail inspection through your insurance claim to the finished roof.
Insurance Claim Roofing in Chestermere
Chestermere sits right next to northeast Calgary, the part of the region hit hardest by recent hailstorms, and storms moving east out of the city often cross it on their way out. We provide roof repair in Chestermere for hail and wind damage, with a free inspection and help through your insurance claim.
Insurance Claim Roofing in Okotoks
Okotoks gets fewer giant hailstorms than north Calgary, but it gets plenty of hail on the edges of storm systems and some of the strongest chinook winds in the region. We provide roof repair in Okotoks for both, plus full replacements and help with insurance claims.
Insurance Claim Roofing in High River
High River sits at the southern end of what the Insurance Bureau of Canada describes as Hail Alley, which unofficially runs from High River north to central Alberta. We provide roof repair in High River for hail and wind damage, with a free inspection, a photo report and help through your insurance claim.

Read before you decide

How to File a Hail Damage Insurance Claim in Alberta
Filing a hail damage insurance claim in Alberta comes down to reporting quickly, documenting thoroughly and reading the adjuster's estimate carefully. This guide covers each step, the deadlines that apply, and what to do if you disagree with the result.
How to Spot Storm Chaser Roofers in Calgary
Storm chasers are contractors who follow hailstorms from city to city, sell roofs door to door, and are often gone before warranty problems appear. In Alberta, the quickest checks are a Service Alberta prepaid contracting licence before you pay any deposit, a WCB clearance letter, and a local office address you can visit.

Not sure if hail damaged your roof?

Book a free inspection. You get photos of every finding and a straight answer on whether a claim makes sense, before you call your insurer.

Book a free inspection Call [403-XXX-XXXX]