Exterior insurance restoration means documenting and repairing everything a storm damaged outside the house, not only the roof. We inspect the roof, siding, soffit and fascia, eavestrough, fencing and decking in one visit, write it up to Haag's published methodology for your adjuster, and do the roof and exterior work once the scope is approved.
Your policy and your adjuster decide what the claim covers. On an approved claim you typically pay your deductible, and the insurer pays the approved scope, which is why everything damaged needs to be in it.
A common way an Alberta hail claim ends up short is scope. The roof gets documented and the settlement covers the roof. Meanwhile the same storm marked the siding, dented the gutters, cracked the fence caps and pitted the deck boards. Much of it may be covered (your policy wording decides), and none of it was in the report.
Adjusters work from the scope in front of them. Documenting the whole exterior in one pass gets everything the storm damaged in front of them at once.
Everything the storm touched, whether or not we're the trade that repairs it:
You report the loss to your insurer. That's yours to do, and doing it promptly matters. We inspect and document the full exterior. Your adjuster reviews it, and where useful we meet them on site so everyone is looking at the same roof and the same report. Work proceeds against the agreed scope. Many policies pay actual cash value first and release the held-back depreciation once the work is complete and invoiced.
We will not waive, absorb, discount or work around your deductible. In Alberta that exposes you as the policyholder, not only the contractor who offered it. We also won't tell you a claim will be approved. That isn't our decision.
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.
Everything outside the house that the storm damaged and your policy covers: typically the roof, siding, soffit, fascia, eavestrough, fencing and decking, plus detached structures on the policy. Your policy wording and your adjuster decide what's covered; the documentation decides what they see.
Not necessarily. A scope can be supplemented with new documentation, and that's a normal part of the process. If the siding, gutters and fence have documented damage that wasn't in the original assessment, photos and a written scope go to the adjuster as a supplement.
Ask your broker; it depends on your insurer and your policy. A hail claim is a weather claim rather than an at-fault one, but some carriers adjust renewals or deductibles after a claim. A good broker will answer it plainly.
Actual cash value is replacement cost minus depreciation for age and wear; replacement cost value is the full cost to replace. Many policies pay ACV first and release the held-back depreciation once the work is done and invoiced. If the work is never completed, that second payment is usually lost.
The inspection is one visit. Adjuster review runs on the insurer's timeline, and after a major storm it stretches. Once the scope is agreed, the work itself is usually days rather than weeks.
Roof, siding, eavestrough and more after a storm. Tell us what the storm did.
