Yes. Hail is considered an Act of God, even though the event is not at fault to yourself, everybody is affected in your community and insurance will spread the risk. This means that even if you don’t make a claim, your premiums will likely go up.

Under the Alberta Insurance Act you legally have 2 years from the date of loss to open and fully settle your claim.

Absolutely not. Insurance adjusters miss things all the time, and you have the right to a second opinion. We can review their assessment, document the missed damage, and request a re-inspection on your behalf.

Preferred contractors sent by insurance companies often have agreements to keep costs down for the insurer. We work exclusively for you, ensuring your settlement covers the full scope of work, and proper repair costs.

We handle it completely. We will document the hidden damage, submit a "supplemental claim" with photo evidence directly to your adjuster, and negotiate to get the extra costs covered before completing the work.

An ACV (Actual Cash Value) policy pays out what your roof is worth today, factoring in its age and wear. An RCV (Replacement Cost Value) policy pays the full amount needed to buy a brand-new roof at today’s current market prices.

Depreciation is the drop in your roof's monetary value over time due to age and normal wear. Insurance companies subtract this amount from your initial payout check to reflect the used condition of the roof before the hail storm hit.

Apart from opening a claim with your insurance company. I always tell homeowners to treat your property like a crime scene. Do not throw anything out until you have photographed everything. Anything can be damaged by hail and can be included in your settlement as personal contents. Items such as store-bought sheds, gazebo, BBQ, patio furniture, hot tub covers, solar lights, garden gnomes, and flowerpots. Typically, the only thing insurance will not cover are trees and plants.