When hail strikes, the damage can be fast and costly. After Calgary’s August storm—one of the most damaging in
recent history—it’s estimated that over $2.8 billion in insured losses were reported, with nearly 1 in 5 homes
affected.
If your home was hit, it’s important to know what to do next. Acting quickly and making smart decisions can save you
time, money, and stress.
Here’s a simple, step-by-step guide to help you through it.
Step 1: Act Fast and Document the Damage Safely
The first thing you should do after a hailstorm is check for damage, but make sure you stay safe. Avoid walking on
your roof. Instead:
- Take photos and videos from the ground.
- Look for dents on gutters, siding, and air conditioning units.
- Check for broken windows, damaged fences, or missing shingles.
- Inspect your attic and ceilings for signs of leaks.
Document everything carefully. These records will help when you talk to your insurance company.
Step 2: Contact Your Insurance Company Right Away
Most home insurance policies cover hail damage, but there are often time limits for filing a claim.
Call your insurance provider as soon as you can. They will:
- Open a claim.
- Send an adjuster to assess the damage.
- Explain what your policy covers.
Tip: Keep notes during your conversations with your insurance company and save all emails and documents.
Step 3: Understand the Adjuster’s Report and Look for Hidden Damage
When the adjuster inspects your home, they might not catch everything. Some damage—like cracks under shingles
or slow leaks—can be easy to miss.
It’s a good idea to:
- Get a second opinion from a trusted roofing professional.
- Ask about areas that adjusters sometimes overlook, like vents, flashing, and roof underlay.
If hidden damage is found later, it could lead to costly repairs that may not be covered if you’ve already settled your
claim.
Step 4: Choose Hail-Resistant Materials for Future Protection
When you repair or replace your roof, consider upgrading to impact-rated shingles. These materials are built to
handle hail and can reduce the chance of future damage.
Popular hail-resistant options include:
- Class 4 impact-rated asphalt shingles
- Metal roofing
- Rubber roofing products
Some insurance companies even offer discounts if you choose these materials.
Step 5: Plan Repairs Before Winter Arrives
Calgary winters can make roof repairs tricky and more expensive. Snow and ice can delay work and hide serious
problems.
To avoid this:
- Book your contractor early.
- Review quotes carefully and ask about timelines.
- Work with local, insured, and experienced roofers.
A reliable contractor will help you create a clear plan and budget, so you’re not caught off guard.
Be Proactive, Stay Protected
Recovering from a hailstorm can feel overwhelming, but taking the right steps will help you protect your home and
your wallet.
From fast inspections to choosing the right materials, making smart choices now can prevent future headaches.
If you need help with inspections, repairs, or navigating insurance, our team is here to guide you every step of the
way.
