Hail Damage

Hail damage is a common concern in Calgary, particularly during severe summer storms that can produce large hailstones. This type of damage can affect various aspects of your property, including roofing, siding, windows, and landscaping. Addressing hail damage promptly and effectively is crucial to preventing further issues and ensuring your property is properly repaired.

Understanding Hail Damage

1. Assessing the Damage:

   - Roofing: Look for dents, cracks, or missing shingles. Hail damage can compromise the integrity of your roof and lead to leaks if not addressed.

   - Siding: Check for dents, cracks, or loose panels on your siding. Damage to siding can affect insulation and the overall appearance of your home.

   - Windows: Inspect for cracks or chips in windows. Hail can cause significant damage to glass, potentially leading to drafts or water infiltration.

   - Landscaping: Hail can also damage plants, trees, and outdoor furniture, which may require attention for restoration.

2. Documenting the Damage:

   - Take detailed photographs or videos of all visible damage. Capture different angles and close-ups to provide a comprehensive view of the impact.

   - Make a list of damaged items or areas, including any immediate repairs that might be needed to prevent further issues.

Communicating with Your Insurance

1. Review Your Policy:

   - Before contacting your insurance company, review your policy to understand your coverage and any deductibles that may apply for hail damage.

2. Report the Damage:

   - Contact your insurance company as soon as possible to report the damage. Provide them with a detailed description and the documentation you’ve gathered.

   - You can typically reach out via phone, email, or through an online claims portal provided by your insurance company.

3. File a Claim:

   - Follow the insurer’s process for filing a claim. Submit all required documentation, including photos, videos, and a list of damaged items.

   - Be prepared to provide information about the date of the storm, the extent of the damage, and any temporary repairs you’ve made.

4. Schedule an Inspection:

   - Your insurance company will likely send an adjuster to assess the damage. Ensure you’re available during the inspection and provide them with all necessary information.

   - Discuss any concerns or questions you have about the repair process or coverage limits with the adjuster.

5. Review the Settlement Offer:

   - Once the adjuster has completed their assessment, you will receive a settlement offer. Review it carefully to ensure it covers the full extent of the damage.

   - If you have any disagreements or concerns about the offer, discuss them with your insurance representative to reach a satisfactory resolution.

6. Coordinate Repairs:

   - Once you accept the settlement offer, coordinate with contractors for repairs. Keep your insurance company informed of the progress and any additional costs that arise.

Effective communication with your insurance company and prompt action can help ensure a smooth claims process and a swift resolution to hail damage issues.