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Hailstorms can wreak havoc on your roof and your life. At Calgary Elite Roofing, we want to ensure that we are the best fit to successfully repair your home wind or hail damage. If you are unsure where to start, please continue to read below. If you have been through a hail event before and/or you are ready to start working with a contractor for the claim process, start by filling out the form below
Insurance Claims 101
Below you will find the steps to efficiently manage the repair process, from initial damage assessment to the completion of repairs, while maximizing the benefits of their insurance coverage:
1) Assess the Damage to your home
- Safety First. Ensure it's safe to inspect the damage. Avoid climbing on the roof without proper safety gear.
- Document Everything. Take clear photos and videos of all damage to your siding, roof, and other affected areas. This documentation is crucial for insurance claims.
- Temporary Fixes. Cover broken windows and holes in the roof or siding with tarps or plywood to prevent further damage. Keep receipts of any materials you purchase, as your insurance may reimburse these costs.
2) Review Your Insurance Policy
- Understand Your Coverage. Review your homeowner's insurance policy to understand what types of hail damage are covered and be aware of your deductible amounts.
- Policy Details. Look for specific clauses related to hail damage, as some policies may have different hail deductibles or require certain roof repair or replacement standards.
3) Contact Your Insurance Company
- Immediate Reporting. Report the hail damage to your insurance company as soon as possible. Most companies have a deadline for filing claims after an event occurs.
- Claims Process. Ask about the next steps in the claims process. Your insurer will likely send an adjuster to inspect the damage and estimate repair costs.
- Claim Number. Ensure you get a claim number and the contact details of the adjuster or representative handling your claim.
4) Choose a Reputable Contractor
- Research Contractors. Look for local, reputable contractors experienced in hail damage repairs. Ensure they are licensed and insured.
- Multiple Quotes. Obtain multiple repair estimates to ensure fair pricing. Be wary of contractors who offer to waive your deductible, seem overly pushy, or provide a quote too good to be true.
- References and Reviews. Check the contractor's references and online reviews to check their reliability and quality of work.