Understanding Hail Damage and Why It Matters
We know how quickly hailstorms can cause severe property damage. That is to say, a short storm can leave behind thousands of dollars in roofing and exterior repairs. Most importantly, it’s crucial to recognize damage early and begin the insurance process as soon as possible. After that, we can prevent bigger issues like water leaks and interior damage.
However, not all hail damage is immediately visible, which often delays claims. Therefore, we recommend booking a professional inspection quickly after a storm to assess your property thoroughly. Alba Construction specializes in hail damage repairs in Calgary, offering experienced assessments that guide homeowners through the next steps. In addition, we’ll help document damage with accuracy so you’re not left arguing with your provider later.
Preparing to File an Insurance Claim
Firstly, preparation starts with understanding what your policy covers. In other words, we always advise reading your home insurance plan carefully before filing any claims. Many policies include hail, but the extent of coverage varies. Secondly, take clear photos of the affected areas before any temporary repairs. That way, you’ll have a strong visual record for your claim.
Moreover, documentation should include timestamps and written descriptions of each damaged part. For instance, include gutter dents, siding cracks, and missing shingles. We often assist homeowners with organizing this information before they call their adjuster. Above all, accurate records speed up the entire claims process and reduce pushback from your provider.
Working with Insurance Adjusters: What to Expect
Once a claim is submitted, an adjuster will visit your property. Meanwhile, we recommend having a contractor like us present during their inspection. That is to say, we help ensure no damage is overlooked or misclassified. Adjusters often have a checklist, but we know construction inside and out, so we can spot things they miss.
However, not all adjusters agree with contractor assessments. In some cases, they may attempt to underplay the extent of damage. Consequently, we advocate for your best interest during this phase. We bring detailed repair estimates and photos to reinforce the claim. In addition, we can provide a scope of work aligned with industry pricing to support a fair settlement.
Common Delays and Denials with Hail Claims
Even valid hail claims sometimes get delayed or denied. For example, insurers might argue the damage is cosmetic or pre-existing. In these situations, it’s important to know your rights as a policyholder. We’ve helped many homeowners appeal denied claims successfully. That is to say, it often comes down to presenting clear evidence and using the correct terminology.
Furthermore, timelines can be frustrating. Some insurers delay by requesting unnecessary paperwork. As a result, we step in to help manage communications and streamline the process. We also track all correspondence to ensure you’re not left without updates. Contact us if your hail damage claim is stuck or dragging on—we’ll step in and move it forward.
Getting the Right Repairs After Your Claim Is Approved
After your claim is approved, the next step is selecting a qualified contractor. In the same vein, not every contractor understands the scope of work required for insurance repairs. We do. We work with you and your adjuster to finalize materials, timelines, and pricing. Most importantly, we ensure repairs meet both insurance and city code standards.
That is to say, quality matters. Temporary fixes won’t protect your home from future storms. Therefore, our team handles everything from siding and soffits to roofing and windows. We want you to have peace of mind knowing your home is built back stronger. Visit our page on storm restoration solutions to learn more about what we include with each repair.
What Sets Our Process Apart
We don’t just fix homes—we guide our clients through every step of the hail damage recovery process. For instance, we start with a free inspection and explain the findings in simple terms. In addition, we prepare a tailored repair plan based on your insurance policy and your goals. Above all, we focus on transparency, timing, and craftsmanship.
Similarly, our past clients appreciate our hands-on involvement from day one. We don’t vanish after the estimate. Instead, we stay in contact, coordinate with insurance, and deliver repairs that last. Moreover, our team is licensed, insured, and experienced with Calgary’s building requirements. That way, you’re not left with shortcuts or non-compliant work.
Frequently Asked Questions
How soon should we file an insurance claim after hail damage?
We recommend starting the claim process as soon as possible—ideally within 24 to 48 hours. That way, your evidence is fresh and adjusters can verify storm data easily. Prompt action also helps prevent further deterioration.
What documents should we prepare for our insurance claim?
Start with clear photos of the damage, a written list of issues, and any receipts for emergency fixes. We help our clients organize this into a claim-ready packet that insurers can review quickly.
Can you help us work with our insurance adjuster?
Yes, we attend site visits with your adjuster and point out damage they may overlook. Our estimates are detailed and follow current industry pricing, which strengthens your claim.
What happens if our claim is denied or underpaid?
We’ll help you appeal. That includes providing additional evidence, writing support letters, and coordinating with the insurance company. We’ve helped many homeowners turn around initial denials.
Do you offer full restoration services after hail repair approval?
Absolutely. From roofing to gutters, siding, and more, we offer complete exterior storm restoration. Our team ensures all work meets insurance specs and Calgary building codes for lasting protection.