Hail & Insurance
Calgary sits in Hailstorm Alley, and your shingles keep score. A HAAG-certified hail assessment with adjuster-ready documentation, and a claim managed start to finish. With an approved claim, you may pay only your deductible.
Hailstorm Alley
Calgary sits in the middle of Hailstorm Alley, the stretch of southern Alberta that takes more hail than anywhere else in Canada. Industry estimates put insured damage from the August 2024 Calgary hailstorm at $3.29 billion, the costliest hail event this country has recorded.
Most of that damage was quiet. Bruised shingle mats. Cracked fibreglass. Granules stripped off and collecting in downspouts. You can't see most of it from the driveway, and it shortens a roof's life whether you notice or not.
This page covers how a hail claim works in Alberta, what to do in the week after a storm, and how to tell a legitimate roofer from a truck that follows the weather. Prefer to talk it through? Call (403) 460-9394.
The claim, start to finish
Plain language, in the order it happens. The short version: know what you have before you file.
Before you file anything, find out what you're dealing with. A HAAG-certified hail assessment gives you a dated photo record of every slope and an Xactimate estimate to set beside your deductible. If the fix costs less than the deductible, a claim gains you nothing, and we'll tell you so on the spot. Same if there's no real damage at all: we file an honest no-damage report, and you keep the proof your roof came through fine.
Call your insurer or file through their online portal, with your policy number and the storm date on hand. You'll get a claim number and an adjuster gets assigned. Reporting is not approval; nothing about the payout is decided yet.
The adjuster confirms the damage and scopes what your policy covers. This is where the documentation matters. We meet the adjuster at your home and walk the roof together, photo by photo, so the scope includes everything the storm touched: shingles, vents, flashing, siding, eavestroughs.
An approved claim comes back as a document listing the covered work, what it pays, and your deductible. Read it before you sign anything. We check it against our inspection report, flag anything the storm damaged that the scope missed, and pursue a supplement with your adjuster until the paperwork matches the roof.
In Alberta, you decide who does the work. Your insurer may offer a preferred list; you can use it or ignore it, and the claim pays the same approved amount either way. An approved claim does not lock you to anyone, and our pitch is simple: the contractor who wrote the scope already knows every line of it.
The work gets done, you walk it with us, and the completion paperwork goes to your insurer so the file can close. Our 15-year workmanship warranty sits on top of all of it, in writing.
That's the outline. The long version, including what happens when an adjuster and an inspection report disagree, is in our full guide to the insurance claim process.
What we handle
You make two decisions: whether to file, and what colour the shingles are. We carry the rest.
A HAAG-certified inspector covers the roof and exterior, photographs every slope, and writes the estimate in Xactimate, the format your adjuster works in. The report is yours to keep, whether or not a claim ever gets filed.
We meet your adjuster on site and walk the damage together, slope by slope, so the approved scope reflects what the storm actually did.
Roof, siding and eavestroughs restored together, installed to manufacturer spec. One company, one standard, one warranty.
A final walkthrough with you, then your 15-year workmanship warranty in writing, on top of the insurance-funded work.
Not sure a claim is worth it? The report is yours to keep and submit whether or not you hire us. The assessment runs from $350, waived in full when we do the work.
After a storm
None of this needs a ladder. Stay off the roof; bruised shingles break underfoot and hail leaves everything slick.
Photograph dented vents, eavestroughs and siding, granules piling up in downspouts, broken screens. All from the ground. Your phone date-stamps every shot, which ties the damage to the storm.
Ask two questions: what's my deductible, and how long do I have to file? You don't need to open a claim on that call, and you shouldn't feel pushed into one.
We book Monday to Friday, 8:00 to 5:00. You get photos, a written report, and the number the whole decision turns on: what the repair really costs.
Then compare. If the repair lands under your deductible, skip the claim and book it as a roof repair. If it lands over, file, and bring the report with you.
Rebuild smarter
Class 4 is the top grade in the UL 2218 impact test, the industry standard that drops a two-inch steel ball on a shingle to simulate hail. Shingles that hold that rating resist the bruising and cracking that write off ordinary asphalt.
If your claim approves a full replacement, your insurer pays to put back what you had. Choose an impact-rated shingle instead and you cover the difference. In Hailstorm Alley that difference buys a roof built for the next storm, not just the last one, and under some policies, a break on premiums. Ask your insurer about impact-rated discounts before you pick shingles. Not every policy offers one, and asking costs nothing.
We install Class 4 options in polymer-modified asphalt and rubber. Details are on our roof replacement page.
Before you sign anything
Storm chasers follow hail from town to town. They knock hard for a month, sign fast, and are gone long before the workmanship shows its first crack. When it does, the phone number on the invoice is dead. The free hail inspection is their favourite door-opener, and it somehow always finds a roof's worth of damage. We charge for our hail assessment so the report answers to you, not to the sale.
You don't have to trust anyone's pitch, including ours. Run this list on every roofer at your door. The full guide is here:how to spot a storm chaser.
Hail & insurance questions
On an approved claim, typically just your deductible. Your insurer pays the approved scope of work and the deductible is your share. Amounts vary by policy, so confirm yours before you file. The hail assessment runs from $350, and the fee is waived in full when we do the work.
It depends on your policy, the season, and how many other roofs the same storm hit. Weeks when things are quiet, longer after a city-wide event. Our part stays quick: documentation goes in complete the first time, and we book the work as soon as the scope is approved.
No. Alberta homeowners choose their own contractor. Your insurer may suggest a preferred list, and you are free to use it or ignore it. The claim pays the same approved amount either way, so pick the company you would trust without insurance involved.
From $350, depending on the size and complexity of your home. For that you get a complete roof and exterior assessment by a HAAG-certified inspector, photo documentation that often runs past 100 labelled photos, and the estimate written in Xactimate, ready to hand to your adjuster. Hire us for the work and the fee is waived in full, which is standard practice among Alberta roofers who do insurance work. We charge for the assessment for a simple reason: we get paid for the report, not for finding damage, so it says what the hail did and nothing more. Estimates for regular roofing and exterior work are still free.
If your street took hail, yes. Bruised shingle mats and cracked fibreglass don't show from a driveway, and they shorten a roof's life all the same. A dated report also gives you a record if problems surface months later.
No. The report is yours to keep. If the damage lands under your deductible, we'll say so and quote the repair as regular work instead. Filing only makes sense when the numbers say it does.
Hail Damage Assessment
Request a HAAG-certified hail assessment anywhere in Calgary and area. From $350, waived in full when we do the work, and the photos, report and Xactimate estimate are yours to submit to your adjuster whether or not you hire us. We reply within one business day, Monday to Friday.
