Roof insurance claims in Calgary
If hail or wind damaged your roof, get the damage documented before anything is repaired. We inspect every slope, photograph and itemize the damage to Haag's published methodology, and meet your adjuster on site. You file the claim and it stays in your name; we provide the evidence and do the work once it's approved.
SERVING NW · NE · SW · SE CALGARY, PLUS AIRDRIE, CHESTERMERE, COCHRANE, OKOTOKS, CONRICH, BEARSPAW, HIGH RIVER & STRATHMORE
What's included
- Every slope inspected, with chalked test squares
- Photos of dented vents, gutters and siding that back up the roof damage
- Storm data tied to your date of loss
- A written report and itemized estimate for your insurer
- Meeting your adjuster on site
What sets the price
On an approved claim you typically pay your deductible, and your insurer pays the rest of the approved scope. Check your hail deductible before you file.
When to get in touch
- A hail or wind storm went through your neighbourhood
- Dented gutters, downspouts or roof vents
- Shingle granules piling up at the downspouts
- Dings on the AC unit, fence, deck or siding
- A new leak or ceiling stain after a storm
What happens next
- Tell us the storm date and what you've noticed, in the form below.
- We inspect and document every slope in one visit.
- You file with your insurer, using our report and photos.
- We meet your adjuster on site, then do the approved work.
WHAT'S INYOUR CLAIM FILE
“Trust us, it hailed” doesn't move an adjuster. Evidence does. Every inspection produces a storm-damage report built the way claims are read. Depending on your roof and your storm, it includes:
Storm verification
Environment Canada storm data tied to your date of loss: the event, the track, the hail size. Evidence that ties the damage to that storm.
Aerial measurement
Your roof's geometry (area, facets, pitch, every edge length) from an aerial measurement report, so the quantities in the estimate can be checked.
Test squares on every slope
A chalked 10×10 test square per slope, impact counts photographed with the slope letter in frame, following Haag's published methodology.
Pre-storm baseline
Imagery of your roof from before the date of loss, so the damage can be dated against the storm.
A pinned photo library
Every inspection photo mapped to its spot on the roof overview, so the adjuster can check each impact against exactly where it sits.
Line-item scope
Every line in the estimate is tied to a building-code requirement or a damage photo, in the format your insurer's estimating software uses.
We built this report around what adjusters check, then field-tested it on Calgary roofs, measurement to final report, before putting it in front of an insurer.
We had our roof done by BBR in July. They were absolutely great to work with. We are original house owners in Citadel and still had the original shingles. We'd been putting off major repairs for awhile but rain storms back in June made it quite clear that we needed to fix our leaky roof. After ourREAD IN FULL ON GOOGLE
WHAT YOU'LLACTUALLY PAY
Insurance has its own vocabulary, and it's where homeowners get surprised. Here's how the money works.
Your deductible
This is the part you pay. On an approved claim, you typically pay your deductible and your insurer pays the rest of the approved scope. The documentation is what lets them release it without delays.
ACV vs. RCV
Replacement Cost Value (RCV) policies pay what it costs to replace the roof today. Actual Cash Value (ACV) policies pay replacement cost minus depreciation for age and wear, and you cover the difference. Check which one you have before you file.
Depreciation holdback
On an RCV policy the insurer often pays in two parts: a first cheque at actual cash value, then the held-back depreciation once the work is done and invoiced. That second cheque is money you're owed.
Check your hail deductible before you file
Hail deductibles in Calgary have gone up. A $1,000 hail deductible used to be common; many carriers now set it at $2,500 to $5,000, and higher for homes without a hail-resistant roof. It's printed on your policy's declarations page under "deductible". Get the exact dollar figure from your broker before you file. We'll walk you through it on the inspection.
STRAIGHT ANSWERS
How does a roof insurance claim work in Calgary?
You report the damage to your insurer, the damage is documented, an adjuster reviews it, and the approved scope is repaired. We do the documentation and the repair, and meet your adjuster on site; the claim itself stays yours. On an approved claim you typically pay your deductible.
Do you deal with my insurance company for me?
No. You file the claim and it stays in your name. We give you the damage report, the photos and our estimate to send in, and we meet your adjuster on site. If you want us to talk to your insurer about our scope, ask them what written authorization they need.
Will my premium go up if I file?
It depends on your insurer and your policy, so ask your broker before you file. A hail claim is a weather claim, not an at-fault one, but some carriers adjust renewals, hail deductibles or how they rate an older roof after a claim. Get the specifics in writing.
How long after a storm do I have to file?
Sooner is better, and your policy sets the exact window. The longer you wait, the harder it is to tie the damage to a specific storm instead of plain wear, so get the roof looked at while the evidence is fresh.
What do I actually pay out of pocket?
Usually your deductible. Your insurer pays the approved scope minus that deductible. Check whether your deductible is a flat amount or a percentage of your home's value before you file.
What if my claim gets denied?
We show you exactly what we found and lay out your options for paying for the work yourself. Denials usually come down to pre-existing damage or a roof already past its service life. We don't promise approvals, and nobody honestly can.
How long does the whole process take?
The inspection is one visit; after that it runs on your insurer's timeline. Adjuster scheduling, review and any supplements all move it, and after a big storm everything stretches. Once the scope is approved, the roof itself usually takes 2 to 4 days on site.
Can I choose my own contractor?
Yes. In Alberta the homeowner picks the contractor. Your insurer can suggest one of theirs, but the choice is yours.
STORM HIT?START HERE.
Tell us when the storm was and what you've noticed. We document the damage and walk you through the claim.