Certified HAAG Wind and Hail Damage Inspectors are ready to give you the best analysis and also the best solution for your damaged roof and sidings.
PLEASE READ BEFORE CONTINUING
Hail storms 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 the form below
Hail Damage and your home insurance
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.
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CRAFTMANSHIP & SERVICE
Full Insurance
Claim Management
FULL INSURANCE CLAIM MANAGEMENT
We take care of you right from the moment we step into your property and take a look at that roof. Our insurance management experts will take care of all the hassle and paperwork and find you the best solution both in terms of policy and results.
Siding Hail Damage
The overall process here is similar to roof hail damage except for a few details that mainly concern the repair times and methods but in terms of insurance and paperwork is very similar.
In Canada, certain types of siding materials are more susceptible to hail damage. Vinyl siding, while popular for its affordability and ease of installation, can crack or break when struck by hail. Aluminum siding, though more durable than vinyl, can dent under the impact of larger hailstones. On the other hand, fiber cement siding and engineered wood are considerably more resilient. These materials not only offer higher resistance to hail impacts but also provide better overall durability and aesthetic appeal.
Protecting Your Home from Hail Damage
To further protect your home from future hail damage, there are several preventative steps you can take. Installing hail-resistant siding materials, such as those mentioned above, is a primary measure. If you face the decision to replace all the siding, upgrading to a more hailstorm-resilient type might be a good idea.
Additionally, regular maintenance, such as sealing or painting, can help fortify the siding's resistance to hail and other weather-related damage. For areas particularly prone to severe hailstorms, it's also advisable to invest in protective barriers like hail screens. These can be installed over windows and siding during peak storm seasons.
Understanding the specific vulnerabilities of your home's siding and taking proactive measures can significantly reduce the risk of damage. This ensures that your home remains safe and intact through severe weather conditions. If you have any questions, we are always a phone call away.
More resources for Calgary Homeowners
City of Calgary Website: For local building permit requirements and safety guidelines.
Insurance Bureau of Canada: For general information on insurance claims and consumer rights.
Better Business Bureau: To research contractors and read reviews.
FAQ HAIL AND WIND DAMAGE
In Alberta, hail damage is commonly included in most homeowners' insurance policies. However, not all insurance policies have it included so it is imperative to check with your insurance provider
Coverage typically extends to damage caused by hail to the structure of your home and may also cover personal property that has been affected. It's important to note that insurance policies and coverage can vary significantly among providers. Therefore, homeowners are advised to review their policy details or contact their insurance provider directly to confirm the extent of hail damage coverage.
Factors like your policy's deductible, the age of your roof, and whether you've opted for Actual Cash Value (ACV) or Replacement Cost Value (RCV) coverage can influence the claim process and reimbursement for damages.
If hail has damaged your home, the first step is to ensure the safety of all occupants and then assess the damage once it's safe to do so. Documenting the extent of the damage with photos or videos can be incredibly helpful for insurance purposes.
SAFETY FIRST! Please do not climb up your roof if you don't feel safe to do so. Ensure the structure you are assessing is safe and stable.
After the initial assessment, contact your insurance provider as soon as possible to report the damage and initiate the claims process.
Your insurance company will likely require a detailed account of the damage and may send an adjuster to evaluate your claim. It's also advisable to contact a reputable local roofing contractor experienced in hail damage repair in Calgary.
They can provide a professional assessment and quote for repairs, which you will need for your insurance claim. Choosing a certified contractor familiar with Alberta's building codes and insurance procedures can streamline the repair process and ensure your home is restored to its pre-damage condition efficiently.
An Xactimate report is a detailed estimate generated using Xactimate software, which is widely used in the insurance and construction industries for estimating the cost of property damage repairs or restoration. Xactimate is a sophisticated computer program designed specifically for professionals involved in property claims and repair work.
Overall, an Xactimate report serves as a valuable tool for accurately estimating the cost of property damage repairs, facilitating communication between parties involved in the claims process, and ensuring transparency and accountability in the estimation and billing process.
At Calgary Elite Roofing we require an Xactimate report in most insurance claims we process.
Full Replacement Value ( FRV) Coverage:
With full replacement value coverage, the insurance company will reimburse the homeowner for the full cost of replacing damaged property, regardless of depreciation or the item's age at the time of loss. This means that if a portion of the exterior of your home, such as siding or roofing, is damaged in a covered event like a hailstorm, the insurance company will cover the cost of replacing it with a new, equivalent material or product.
Full replacement value coverage typically results in higher premiums since the insurance company assumes the risk of paying the entire cost of replacing damaged property.
Depreciating Policy or Actual Cash Value (ACV) Coverage:
In contrast, a depreciating policy or actual cash value (ACV) coverage takes depreciation into account when determining the amount of reimbursement. Under this type of policy, the insurance company will reimburse the homeowner for the current market value of the damaged property, taking into consideration its age, condition, and depreciation since the time of purchase.
For example, if the exterior siding of your home is damaged in a covered event, the insurance company will assess its current value based on factors like wear and tear and market depreciation. They will then provide reimbursement for the depreciated value of the damaged siding, which may not be sufficient to cover the full cost of replacement with new materials.
Depreciating policies typically result in lower premiums since the insurance company's liability is limited to the depreciated value of the damaged property.
Conclusion
In summary, full replacement value coverage provides more comprehensive protection by covering the entire cost of replacing damaged property with new materials, while a depreciating policy or ACV coverage takes depreciation into account, resulting in reimbursement based on the current market value of the damaged property. Homeowners need to understand the coverage provided by their insurance policy and consider their individual needs and budget when selecting coverage options.
Metal roofs are renowned for their durability and resistance to many forms of damage, including hail. However, they are not completely impervious to it.
The impact from very large hailstones can dent or scratch the surface of metal roofing materials. The extent of hail damage to a metal roof can vary depending on the type of metal used, the quality of installation, and the size and velocity of hail stones hitting the roof.
While metal roofs may sustain cosmetic damage from hail, their structural integrity often remains intact, offering continued protection against the elements. This resilience makes metal roofs a popular choice in regions like Calgary, where hail can be a frequent concern.
Sustained and repeated damage to a metal roof can however compromise the structure itself. So if your roof has sustained several hail storms it is good to give it a check before the next season hits.
