Repair or replacement of roofs can be costly, particularly after
unforeseen circumstances such as hailstorms, tree falls, or
strong winds. One of the first questions most homeowners
ask is, “Will my insurance cover it?” The answer: it depends upon
what caused the damage and what your policy covers. At
Straight Path Construction, we guide Calgary homeowners
through the roofing insurance process and get the repairs they
need without unwarranted stress. Here’s what you should know.
When Is Roof Damage Covered by Insurance?
Most typical home insurance policies do include damage to roofs
caused by unexpected, unintended occurrences such as hail,
windstorms, lightning, or tree limbs. In Calgary, hail damage
is a top cause for roof claims. If your roof was in satisfactory
condition before the incident and the damage is due to a storm,
there’s a good probability your insurance will pay for repairs
or replacement.
What’s Not Typically Covered?
Insurance generally doesn’t pay out for damage due to regular
wear and tear, age, or lack of maintenance. If your roof is
already 20–25 years old or has been neglected, your claim will
most likely be rejected. Slow leaks over time due to lack of
flashing, gutters clogged with debris, or repairs neglected are
unlikely to be claimed either. That’s why regular roof
maintenance is essential and it will both safeguard your
home as well as your cover.
How to File a Roof Insurance Claim
Once a storm passes, you need to move fast. Begin by booking
a professional roofing inspection, particularly if there are
missing shingles, water spots, or any other debris on your
grounds. At Straight Path Construction, we offer complimentary
storm damage inspections in Calgary and compile a report
you can submit for a claim. Next, make sure to contact your
insurance company to report the damage and start the claims process.
Grasping Your Deductible and Coverage Limits
When claiming roof damage, it’s good to know your deductible
on your policy and the cost you cover yourself before insurance
takes over. Deductibles are policy-dependent and can influence
what you get paid for repairs or replacement. Insurance policies
also come with limits of coverage, which entails paying only
up to a specific point. Knowing these things beforehand makes
for realistic expectations and helps you prepare for any extra expenses.
Preventing Future Roof Damage
Though insurance is there to cover unexpected damage, it’s
always best to prevent problems from occurring in the first place.
Regular roof checks, timely roof maintenance, and repairing
small problems promptly can prolong your roof’s lifespan
and keep your insurance active. Straight Path Construction
provides ongoing roof maintenance programs for homeowners
in Calgary to help guard your investment and avoid expensive
damage in the future.
Work With a Trusted Contractor
Your insurance provider might suggest contractors, but you can
use whoever you want. It’s advisable to deal with a licensed,
insured, and seasoned roofing contractor such as Straight
Path Construction who is familiar with the repair process
and documentation that insurers need. We communicate directly
with insurance adjusters to ensure nothing falls through the cracks
and you’re paid everything you deserve.
Final Thought
Yes, roof damage can be covered by homeowners insurance—but
just in specific situations. The trick is to move quickly, get a
professional assessment, and collaborate with a roof professional
who knows how the system works. At Straight Path Construction,
we assist Calgary residents in defending their houses and
navigating insurance claims easily, from initial inspection to last shingle.
Call to Action
In need of help with a roof insurance claim?
Call Straight Path Construction or visit our website today to arrange
your complimentary roof inspection. We’ll check the damage,
assist with paperwork, and get your roof fixed right the first time.
Frequently Asked Questions (FAQs)
Is roof replacement covered by insurance in Calgary?
Yes, if the damage was caused by covered incidents such as hail,
wind, or fallen trees. Wear and tear or ageing generally aren’t covered.
How do I start a roof insurance claim?
Begin with a professional inspection to determine the damage.
Next, call your insurance company and report it. Straight Path
Construction can assist you in both procedures.
Will my policy pay for the entire roof replacement or repairs only?
It varies depending on the amount of damage and the policy. In
most situations, if over a certain percentage is damaged,
the entire replacement is covered.
May I hire my contractor for insurance repairs?
Yes! You don’t have to hire your insurer’s assigned contractor. Opt
for a reliable, licensed roofer such as Straight Path Construction
to guarantee quality and accurate documentation.
How quickly must I claim a storm?
Most policies expect claims to be made within 1–2 years of loss,
but the sooner the better. The longer you wait, the less likely your
chances will be for full coverage.
