Roof Insurance Claims in Calgary
Hail, wind or water damage? We inspect the roof, document every bit of damage, meet your adjuster and do the repair.
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A roof claim goes better with the right roofer
Calgary sits in one of the most hail-prone parts of Canada. The August 2024 storm alone led to more than 130,000 insurance claims, according to the Insurance Bureau of Canada. When that many roofs get claimed at once, damage that's missed at the first inspection is hard to add later, and with hail deductibles climbing, every claim needs to count.
We've helped Calgary homeowners through hail, wind and water claims since 2014. We inspect and document the damage properly, we can meet your adjuster on site, and we do the repair to the manufacturer's standards. You deal with one local crew from the first call to the final cleanup.
What we do for your claim
A free inspection and damage report
Our HAAG-certified inspector checks the whole roof and the attic, then gives you a written report with photos of every bit of damage we find. It's what you send your insurer.
Emergency protection
If water is getting in, we tarp or temporarily seal the roof right away. Your policy expects you to stop further damage, and we document what we did and why.
We meet your adjuster
We can be on site when your adjuster inspects the roof, so nothing in our report gets missed. Negotiating a settlement on your behalf is licensed adjuster work in Alberta, so we stick to what a roofer should do: document, estimate and repair.
The repair, done right
Repairs or a full replacement to code and to the manufacturer's specifications, so your shingle warranty stays valid, backed by our 10-year workmanship warranty.
Upgrade options
Replacing the roof anyway? Ask about impact-resistant (Class 4) shingles or steel. You pay the difference over your insurer's estimate, and some insurers put money toward an impact-resistant upgrade after a covered claim.
How a roof claim usually goes
Every insurer and policy is a little different, but most Calgary roof claims follow the same path.
- Right after the storm
- Stay safe and off the roof. Take photos of the damage inside and out, and stop any water coming in. Tell your insurer about the loss in writing as soon as you can: Alberta's standard policy conditions require prompt notice.
- Within a few days
- Book a roof inspection. We check the roof and attic and give you a written report with photos, so you know what's damaged before the adjuster arrives.
- When the adjuster visits
- Your insurer sends an adjuster to inspect and estimate the damage. We can be there to walk the roof with them and point out everything in our report.
- Once the claim is approved
- Your settlement depends on your policy, minus your deductible. Some Alberta policies now pay roof damage at actual cash value, which is replacement cost minus depreciation, so an older roof pays out less. Your adjuster can explain how yours works.
- The repair
- We schedule the work, protect your yard and home, and clean up every day. When it's done you get the invoice and photos your insurer needs to close the claim.
"After our insurance company's contractor dropped us, Joe from Peakline responded within 24 hours and exceeded all expectations. He came sooner than promised, kept us informed, and his team did exceptional cleanup. Would highly recommend for any roofing issues - top notch service!"
Insurance claim questions
Report damage to your insurer right away. Alberta's standard policy conditions require you to give written notice of a loss immediately and to file a proof of loss as soon as practicable, and the Insurance Act sets a two-year limit for legal action on a claim. Your own policy may set specific deadlines too, so check it.
Home policies cover damage caused by hail, minus your deductible, but damage that was already there before the storm isn't covered. Hail deductibles in Alberta have risen sharply, often to $2,500 or more, and some policies limit cosmetic damage or pay roofs at actual cash value. Your policy wording decides, so ask your broker if you're unsure.
Often. The Insurance Bureau of Canada says standard policies commonly cover sudden and accidental water damage caused by ice dams, while repeated damage is treated as a maintenance issue. A written roofer's report on the cause helps your claim.
We provide the inspection report, photos and repair estimate, and we can meet your adjuster on site. You stay the policyholder and your insurer makes the decisions. We don't negotiate your settlement, since that's licensed adjuster work in Alberta; we make sure your insurer has everything it needs to see the damage.
Yes. The Insurance Bureau of Canada says you can hire your own contractor. If their price is higher than your insurer's estimate, you pay the difference, so get your roofer's estimate to the adjuster early.
Yes. If the claim covers a replacement, you can choose a better roof, such as impact-resistant shingles or steel, and pay the difference yourself. Some insurers contribute toward an impact-resistant upgrade after a covered claim, and many offer savings or lower hail deductibles for resilient roofs, so ask yours.
No. The City of Calgary doesn't require a permit to replace or repair roofing materials. Changing to a heavier material like clay tile, or changing the roof structure, does need a building permit.
Get the damage documented before you file
Free roof inspections with a written, photo-documented report, across Calgary and the surrounding towns.
Serving Calgary & area, including:
Kensington, Mount Royal, Beltline, Inglewood, Bridgeland, Bowness, Auburn Bay, Tuscany, Airdrie, Cochrane, Okotoks, Chestermere