Storm & Hail Damage Roof Repair That Protects Your Home — and Your Claim

In most cases, hail damage is classified as a “non-fault” claim, meaning it’s caused by an act of nature, not driver or homeowner behaviour. That being said, premiums vary by insurer, claim history, region, and policy type.

Area-wide events like the 2024 Calgary hailstorm have affected the broader insurance market; Calgary home insurance premiums rose 9.07% year-over-year in 2025 regardless of whether individual policyholders filed. For significant storm damage, filing a claim is often more financially practical than paying entirely out of pocket—but every policy and deductible structure is different

This is one of the most common—and most fixable—outcomes of a hail claim. When an adjuster’s initial estimate omits required code-compliant components (ice-and-water shield, drip edge, full decking replacement), we file what’s called a “supplement”. This is a formal request for additional funds backed by documentation, photos, and Xactimate line-item justification. Approval depends on the insurer, policy, and supporting documentation. We’ve recovered thousands of dollars in settlement increases for clients who would otherwise have been left short.

The roofing work itself is typically completed in a single day for a residential home. The full process, from initial inspection through insurance approval to project completion, usually takes 4 to 8 weeks, with most of that time spent waiting on the insurance company’s adjuster scheduling and supplement processing. After major events like the 2024 Calgary hailstorm, the timeline can extend to 3–6 months due to insurance carrier backlogs, but our 10 full-time crews mean we have capacity that smaller contractors can’t match.

Yes. ALR is an IKO Craftsman Installer and we were named the 2023 IKO Roofing Contractor of the Year for Western Canada. We use exclusively IKO products, manufactured locally in Calgary. For a hail-prone market like Alberta, we recommend the IKO Nordic—a Class 4 impact-resistant shingle tested against a 2-inch steel ball dropped from 20 feet without fracturing.

This is the single most important detail in your policy. Replacement Cost Value (RCV) means the insurer pays the full cost of replacing your roof with a brand-new one, regardless of the existing roof’s age. Actual Cash Value (ACV) means the insurer pays the depreciated value—the replacement cost minus depreciation.

On a 15-year-old roof, an ACV settlement may only cover 30–50% of the actual replacement cost. Many Western Canadian insurers have quietly added “Roof and Siding Limitation Endorsements” that switch coverage to ACV; often without homeowners realizing. ALR may help you review the relevant roofing and storm-related sections of your policy before the claims process begins.

No. After major storms, “storm chasers”—out-of-province contractors who follow weather events—flood affected neighbourhoods aggressively soliciting business. Common red flags include: pressure to sign immediately, promises to “waive your deductible” (which may violate insurance regulations or policy terms), demands for upfront cash, and disappearing as soon as the cheque clears.

ALR is a 100% Alberta-owned, Calgary-headquartered company that’s been here for years, and will be here for years more, including for any warranty claims. Always get a second opinion from a local, established contractor before signing anything in the days after a storm.