5 Insurance Questions about Roofing
Hail damage can leave homeowners with questions about deductibles, coverage, roof age, and repair or replacement costs. Understanding these factors can help when reviewing a roofing insurance claim.
For Calgary homeowners, Ebenezer Roofing has served Calgary and the surrounding area since 2011 and has been family-owned for three generations. Our roofing company is incorporated, fully insured, and WCB covered, with no subcontractors and a lifetime workmanship warranty. Before hiring a roofer in Calgary, confirm your coverage with your insurer.
What Is My Hail Deductible?
Many Alberta insurance policies now have a separate hail deductible that can be considerably higher than the standard home insurance deductible. Common hail deductibles include:
$2,500
$5,000
$10,000 or more
Knowing your hail deductible can help you understand how much you may need to pay if your roof requires replacement following a hailstorm.
Is My Roof Covered for Replacement Cost or Actual Cash Value?
Some insurance policies reduce claim payments based on the age of the roof. This means an older roof may only be covered for its depreciated or actual cash value, rather than the full replacement cost.
Before arranging roofing services, ask your insurer whether depreciation will be deducted from your claim payment and whether your policy provides replacement cost coverage.
Does My Policy Offer Discounts for Impact-resistant Roofing?
Many insurers offer premium discounts or better coverage for homes fitted with UL 2218 Class 4 impact-resistant shingles. These materials are designed to provide better protection against Alberta hail.
Ask your insurer whether installing a Class 4 impact-resistant roof could reduce your insurance premium or deductible. Confirming these details before selecting roofing materials can help you understand potential insurance savings.
Does the Age of My Roof Affect My Coverage?
Many insurance companies have special rules for roofs that are more than 15–20 years old. Roof age may affect both coverage and the amount paid following a claim.
Homeowners should ask their insurer how the roof’s age affects their coverage and potential payout. Understanding these conditions before hiring a roofing contractor can help avoid unexpected costs.
Is Cosmetic Hail Damage Covered?
Some insurance policies no longer cover dents or cosmetic damage to certain exterior materials. Such policies may include:
Metal roofing
Flashings
Gutters
Roof vents
Metal siding
Ask your insurer exactly what is and is not covered under your policy. Cosmetic damage may be treated differently from damage that affects the function or performance of the roofing system.
Understand Your Coverage Before Roof Replacement
Reviewing your roofing insurance before replacing your roof can help you understand hail deductibles, depreciation, impact-resistant roofing, roof-age requirements, and cosmetic damage coverage. Many Alberta homeowners now have $5,000–$10,000 hail deductibles, while older roofs may only receive depreciated coverage.
Installing a Class 4 impact-resistant roof may also offer insurance savings and added protection against Alberta hail, depending on your policy.
Ebenezer Roofing aims to support Calgary homeowners with professional workmanship and dependable roofing services. Contact us to discuss your roofing requirements in Calgary.
