Big Boy Roofing provides outsourced inspection and claim documentation for adjusters, carriers, property managers and general contractors. Reports follow Haag's published methodology, come from HAAG-certified inspectors and are reviewed by insurance professionals. The scope is the full exterior: roof, siding, soffit and fascia, and eavestrough.
In Alberta hail claims, the usual problem is inconsistent assessment rather than whether damage exists. One inspector calls a slope, another doesn't, the file goes back and forth, and the cycle time stretches while the policyholder waits. What fixes that is one published methodology applied the same way every time, with photos that let someone who wasn't on the roof reach the same conclusion.
Every report is built the same way regardless of who ordered it or what it finds.
We document and we repair, so the report has to stand on its own. It is written the same way whether or not we end up doing the work, and it records what was found either way, including a finding of no storm damage.
Roof, siding, soffit and fascia, and eavestrough are documented on the same visit and photographed the same way. On insurance restoration files, fencing and decking go into the same record. One visit and one report means the adjuster isn't reconciling several contractors' descriptions of the same storm.
When a hail event hits a portfolio, it usually produces as many assessments as there were contractors available that month. We document a portfolio to one standard, with a report per building and a roll-up across them, so a board or an owner can decide from documents that line up.
We assess and document flat and low-slope systems as well as sloped asphalt: TPO, EPDM, modified bitumen, built-up and PVC. The damage looks different there: membrane bruising and fracturing, displaced gravel on a built-up roof, split metal flashings, damaged drain baskets.
An Alberta roof claim goes in a set order: tell your insurer in writing, stop further damage, document everything, get the roof inspected, agree the scope and estimate, file a sworn proof of loss, then settle and repair. Once a completed proof of loss is delivered, Alberta law says the loss is payable within 60 days unless your policy sets a shorter period.
Many Alberta home policies now carry a separate hail deductible, usually a flat amount: industry reports in 2026 put it at $2,500 to $5,000 with many Calgary insurers, and up to $10,000 for homes without hail-resistant construction. Percentage deductibles exist but are less common here, and your hail deductible can change at renewal, so check your declarations page.
Actual cash value (ACV) pays what your damaged roof was worth after age and wear; replacement cost value (RCV) pays what it costs to replace it. Many Alberta RCV policies pay the ACV amount first and release the held-back depreciation only after the work is done and invoiced, so the first cheque is often not the full settlement.
An adjuster is checking for functional hail damage, meaning damage that shortens the roof's life or lets water in, not just marks. They sample each slope with a test square, count the hits, check soft metals like gutters and vents for dents, and compare what they find against the insurer's threshold for replacement.
A HAAG inspection report documents roof damage to Haag's published methodology: a slope diagram, test squares, scaled photos, soft-metal damage and an itemized scope, so an adjuster can check each finding instead of taking a conclusion on trust. Haag certifies inspectors, not companies.
If you and your insurer agree the damage is covered but disagree on what it costs to fix, Alberta's Insurance Act gives you a dispute process, often called appraisal: each side names a representative, the two pick an umpire, and they settle the amount without court. It decides the dollar figure, not whether something is covered.
Adjusters, carriers, property managers, general contractors and restoration contractors, as well as homeowners. The methodology is identical either way, because a report that changes depending on who commissioned it is worthless to everyone.
It's a published damage-assessment method: how to lay out test squares, what counts as functional damage versus cosmetic marking, and how to tell hail from mechanical damage and normal weathering. Assessing to a published standard the reviewer can check narrows the most common source of dispute, which is two people using different definitions of damage.
The full exterior: siding, soffit and fascia, eavestrough and downspouts, plus fencing and decking on insurance restoration files. Soft metals and AC fins are photographed too, because they corroborate hail size and direction.
Field work is one visit. Report turnaround depends on volume and complexity, and we'll give you a real date when you send the file. After a major event everyone's queue is long, and we'd rather tell you that than miss a date you planned around.
Yes. If a prior assessment is disputed, we document what's there now and say plainly where our findings differ and why. We don't characterize another inspector's work beyond the evidence.
Yes. We carry WCB Alberta coverage and commercial general liability at $2,000,000, with certificates available on request before we attend. Our licences and insurance are on the credentials page with the issuers' own verification links.
Adjusters, property managers and public adjusters: tell us about the file and the property.
