Calgary sits in Canada’s “Hail Alley,” making hail damage a common risk for homeowners. Quick action after a storm
helps protect your roof, insurance claim, and long-term repair costs. Here’s a simple guide to spotting hail dents,
filing claims, and getting the right roofing support in Calgary.
The Frequency of Hail in Calgary
Calgary experiences frequent hailstorms every summer, often causing major property damage. Large hail events can
lead to millions in insurance claims, making fast inspection and documentation important for homeowners.
What to Do Immediately After a Storm
Stay safe and check your surroundings once the storm ends. Take photos of roof dents, damaged siding, and gutters.
Then call your insurance provider to report potential hail damage and begin your claim process early.
How to Spot Hail Damage on Your Roof
Look for dented shingles, granule loss, cracked vents, and damaged flashings. Metal components like gutters and
caps often show dents first. Inside your home, check for ceiling stains or leaks that hint at hidden roof damage.
Signs of Hail Damage by Roofing Material
Material
Typical Damage
Asphalt Shingles
Granule loss, cracks, soft spots
Metal Roof
Round dents, displaced panels
Wood Shakes
Splits, chips, gouges
Tile/Slate
Cracks, broken pieces
The Hidden Cost of Ignoring Hail Damage
Small dents can worsen over time, leading to leaks and reduced roof life. Water seepage may cause mold or
structural issues. Delaying repairs often turns minor hail damage into a costly full roof replacement.
How to Navigate a Calgary Roof Insurance Claim
Work with a Calgary roofing contractor experienced in hail claims. Their inspection report, photos, and estimate help
ensure your insurer understands the real extent of damage.
Your Steps in the Claims Process
Report damage, schedule a roofing inspection, gather documentation, meet the adjuster, confirm approved repairs,
and complete the work. Keep all invoices and warranty documents for your insurer.
Getting a Quote from a Local Roofing Contractor
Choose a licensed Calgary roofer familiar with hailstorms and insurance work. Ask for an itemized quote, photos, and
a written damage report tailored for insurance submission.
What a Professional Estimate Includes
A quality estimate should list materials, labour, tear-off, disposal, vents, flashing, and roof accessories. It should
include photos and a clear scope aligned with local building codes and insurance standards.
How Long Do You Have to File an Insurance Claim?
In Alberta, most insurers allow 12–24 months to file hail damage claims. Waiting too long may result in denial,
especially if damage worsens or becomes harder to document.
