Will my Calgary insurance actually cover hail roof damage?

In almost every case, yes — hail damage is covered by virtually all Alberta home policies, regardless of roof age (though depreciation may apply to actual-cash-value policies). You typically pay only your deductible.

How long after the Calgary hailstorm can I file a claim?

Most policies allow 12 months from the date of the storm, though some are shorter. The sooner the better — adjusters are also more receptive close to the storm date.

What does it cost me out of pocket?

Typically just your insurance deductible — often $1,000–$2,500 depending on your policy. We've done many Calgary hail-claim re-roofs where the homeowner paid only their deductible for a $14,000 roof.

Do you charge for the inspection?

Never. Drone inspection and damage report are 100% free, no obligation. If we don't see enough damage for a viable claim, we'll tell you honestly.

What if my insurance denies the claim?

We supplement the claim with additional photo evidence and, if needed, recommend a public adjuster or appraiser. Most initial denials are reversed once we provide proper documentation.

Hail Damage Roof Repair Calgary | Insurance Claim Specialists

Quick answer

Calgary is the hail-claim capital of Canada. We've filed more than $14M in successful hail-damage roof claims for Calgary homeowners — and most of them paid only their deductible.

Estimates by phone: (587) 804-9266 · Good Roofing · Calgary-owned since 2014 · 10-year workmanship warranty.

If your Calgary roof took a hit in the last storm, here's what most homeowners don't know: you don't have to file the claim alone, and you almost certainly shouldn't. Insurance adjusters work for the insurance company — their job is to minimize the payout. Our job is to make sure you get every dollar you're entitled to under your policy, which in most Calgary cases means a full roof replacement for the cost of your deductible.

01 · Section

How to know if your Calgary roof has hail damage

Most hail damage is invisible from the ground. The shingle hits look like small dark circles where the granules have been knocked off — typically 5–35 mm in diameter. By the time you see a leak, the damage has been there for months. Here's what to look for after a Calgary hailstorm:

01Dented or cracked aluminum — soffits, fascia, downspouts, AC fins. If your aluminum is dented, your roof took the same hit.
02Granules in downspouts and at gutter outlets — looks like coarse black sand
03Bruised shingles — soft spots when pressed (best diagnosed by a roofer)
04Shiny spots on the roof — where granules have been knocked off, exposing the asphalt
05Damaged neighbouring properties — if your neighbour's roof was replaced after the storm, yours likely has the same damage

02 · Section

The Calgary hail claim process — what we do for you

We do as much of the heavy lifting as we're legally allowed to. Your only jobs: pay your deductible and pick a shingle color.

01Free drone inspection — 4K imagery of every slope, hail-strike count per square
02Damage report — written documentation in the format adjusters need to see
03Help you file with your insurer — we've worked with every major Alberta carrier
04We meet your adjuster on the roof — and walk every slope with them so they don't miss damage
05Supplement the claim if the initial scope is light (which happens often)
06Install your new roof with Class 4 impact-rated shingles to prevent the next claim
07Submit final invoice and certificate of completion for your release-of-holdback

03 · Section

Why timing matters: Calgary hail claim deadlines

Most Alberta home policies require you to report hail damage within 12 months of the storm — and some carriers are tightening that to 6 months. Calgary's major hail events of the last few seasons are all still claimable for many homeowners, but don't wait. We'll do a free inspection and tell you straight up whether you have a viable claim before you spend any time on paperwork.

04 · Section

Will filing a hail claim raise my insurance premium?

Hail damage is classified as an "act of God" under almost all Alberta policies, and a single act-of-God claim is not supposed to raise your premium on its own. (Multiple claims in a short window may.) When we replace your roof with Class 4 impact-rated shingles, most major Alberta insurers discount your premium 5–25% going forward. So a properly handled hail claim often results in a brand-new roof and a lower yearly insurance bill.

05 · Section

Calgary's hail claim insurance carriers we work with daily

We've walked roofs with adjusters from every major Alberta insurer:

01Intact Insurance / belairdirect
02Aviva Canada
03TD Insurance
04Co-operators
05Wawanesa
06Economical / Sonnet
07RSA / Johnson
08SGI Canada
09Allstate
10State Farm / Desjardins

What Calgary says

4.9 from 237 verified reviews.

“Good Roofing met our State Farm adjuster on the roof, documented every strike, and we ended up with a full replacement covered. Crew finished in two days, yard was spotless.”

Sarah M. · Auburn Bay

“Got three quotes. Good Roofing wasn’t the cheapest but they were the only ones who actually went on the roof and put a fixed price in writing. No surprises.”

Dave K. · Tuscany

“Emergency leak the night of a Chinook windstorm. They had a tarp on the roof by 11pm. Did the permanent repair two days later for exactly the quoted price.”

Priya R. · Bridgeland

“I’m a 71-year-old widow and was terrified of being upsold. The project lead walked me through every line item and even fixed two soffit screws for free.”

Linda H. · Royal Oak

Hail Damage Roof Repair Calgary — We Handle Your Insurance Claim