After a major hailstorm, many Alberta homeowners are unsure what to do next.
Some people rush into repairs.
Others wait too long and risk further damage.
Many homeowners are confused about how roof insurance claims actually work and what steps they are supposed to follow.
This guide explains the hail damage roof insurance claim process in Alberta, what homeowners should expect, and how to avoid common mistakes.
This information is educational only and does not replace legal or insurance advice.
Step 1: Assess Safety First
After a hailstorm, safety comes first.
Do not climb onto the roof.
Watch for loose shingles, damaged flashing, or debris around the property.
If water is entering the home, temporary protection may be required.
Step 2: Document Visible Damage
If it is safe to do so, document visible damage.
This may include:
Dented gutters and downspouts
Damaged siding or window trim
Granules collected near downspouts
Interior water stains
Photos and videos can help support an insurance claim.
Step 3: Review Your Insurance Policy
Not all policies are the same.
Homeowners should review:
Hail coverage limits
Deductible amounts
Roof age clauses
Claim deadlines
Some policies reduce coverage on older roofs.
Understanding this early helps manage expectations.
Step 4: Arrange a Professional Roof Inspection
Insurance companies usually require a professional inspection.
An inspection helps determine:
Extent of hail damage
Whether damage is repairable or widespread
Roof condition prior to the storm
Documentation supports the claim process.
Step 5: Contact Your Insurance Provider
Once damage is identified, contact your insurance provider to open a claim.
You will receive a claim number and next steps.
Do not authorize permanent repairs before insurer approval unless emergency work is required.
Step 6: Meet With the Insurance Adjuster
An adjuster may inspect the roof in person.
During this stage:
Damage is assessed
Repair or replacement is evaluated
Scope is documented
Clear documentation helps avoid disputes.
Step 7: Understand Repair vs Replacement Decisions
Insurance decisions depend on:
Roof age
Material condition
Extent of damage
Policy terms
Widespread hail damage usually leads to replacement.
Localized damage may be repaired.
Step 8: Review the Scope of Work Carefully
Insurance scopes outline what is covered.
Homeowners should review:
Material types
Ventilation
Flashing
Accessory replacements
Clarify questions before work begins.
Step 9: Schedule the Work
Once approved, roofing work can be scheduled.
Timing depends on:
Material availability
Weather
Seasonal demand
Clear communication helps avoid delays.
Common Mistakes Homeowners Make During Hail Claims
Waiting too long to inspect damage
Signing agreements under pressure
Not reviewing policy details
Assuming insurance covers everything
Not understanding deductibles
Avoiding these mistakes protects both the claim and the roof.
How Long Do Homeowners Have to File a Claim?
Claim deadlines vary by policy.
Some insurers allow several months.
Others require faster reporting.
Early inspection is always recommended.
Final Thoughts for Alberta Homeowners
Hail damage roof claims can feel overwhelming.
Understanding the process helps homeowners stay in control and make informed decisions.
Clear documentation, professional inspections, and patience are key.
If you believe your roof may have hail damage and want a professional assessment to understand your options, speaking with a licensed contractor can provide clarity.
Looking for a licensed contractor to assess hail damage to your roof in Calgary or Airdrie?
Contact Ultron Services – General Contractor.
Phone: 587-600-3129
Ultron Services – General Contractor
