When a major storm hits Calgary, roof damage is one of the most common and costly problems homeowners face. Knowing how to file a roof insurance claim properly can make the difference between a smooth process and weeks of frustration. This guide walks you through the steps so you can protect your home and get the coverage you deserve.
Why Timing is Critical for Roof Insurance Claims
Storm damage can worsen quickly if not addressed. Missing shingles, dented flashing, and leaks often lead to water infiltration that causes mold and structural problems. Insurance providers in Calgary also expect claims to be filed promptly after an event. The sooner you act, the faster an adjuster can assess your property and approve repairs.
At Straight Path Construction, we recommend scheduling an inspection as soon as possible after a storm. This ensures hidden damage is documented before it spreads or becomes harder to prove to your insurer.
Step by Step Guide to Filing a Roof Insurance Claim
Filing a roof claim in Calgary involves several steps. Following them carefully helps avoid delays.
- Inspect and Document Damage
- Take clear photos of your roof, gutters, siding, and any interior leaks
- Note the date of the storm and keep news articles or weather alerts as supporting evidence
- Contact a roofing contractor to perform a professional inspection
- Contact Your Insurance Provider
- Report the damage through your insurer’s claims line or online portal
- Provide your initial photos and inspection notes
- Schedule the Adjuster Visit
- An insurance adjuster will assess the damage and prepare a claim estimate
- Having your contractor present ensures all damage is identified and included
- Review the Estimate and Coverage
- Compare the adjuster’s report with your contractor’s assessment
- Clarify whether your policy covers actual cash value or full replacement cost
- Hire a Trusted Contractor
- Once your claim is approved, select a contractor with storm repair experience
- At Straight Path Construction, we work directly with insurers to keep the process smooth and transparent
Mistakes to Avoid During the Claims Process
Many homeowners make errors that slow down or even reduce their claim payout. Avoid these common mistakes:
- Waiting too long to file a claim after the storm
- Attempting temporary repairs without documenting the damage first
- Accepting the first adjuster estimate without comparing it to a contractor’s report
- Choosing the cheapest contractor instead of a licensed and reputable Calgary company
By avoiding these pitfalls, you increase your chances of getting full coverage and lasting repairs.
Work With a Trusted Calgary Contractor
Dealing with roof damage after a storm is stressful, but you do not have to go through it alone. Straight Path Construction has years of experience guiding Calgary homeowners through the insurance claims process. From inspections and documentation to working directly with adjusters, we make sure nothing is overlooked.
If your roof has been damaged by hail or high winds, contact us today. Our team will help you file your claim properly and ensure your roof is restored with quality materials and expert workmanship.
