A Step-by-Step Guide to Filing a Roofing Insurance Claim in Canada

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step-1-assess-the-damage-immediately
step-2-document-everything-with-proof
step-3-contact-your-insurance-provider
step-4-get-a-roof-inspection-from-a-professional
step-5-file-your-insurance-claim
real-life-case-ontario-hailstorm-claim-approved
work-with-pickering-roofing-to-make-it-easy

1. Understanding Roof Insurance in Canada

Whether you live in Ontario, Alberta, or British Columbia, Canadian weather can be unpredictable—and rough on your roof. Most homeowner insurance policies include coverage for sudden and accidental damage caused by weather events like hailstorms, heavy snowfall, or fallen trees. However, general wear and tear or poor maintenance is usually not covered. That’s why knowing how to properly file a roofing insurance claim in Canada is essential.

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2. Step 1: Assess the Damage Immediately

2.1 Safety First

After a major weather event, prioritize safety. Avoid climbing onto the roof yourself—especially if it’s wet, icy, or structurally compromised. Inspect the area from the ground using binoculars or a drone if possible.

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2.2 Signs of Roof Damage

Look for missing shingles, water stains on ceilings, sagging spots, or debris on the roof. These early signs help determine if the damage could qualify for a claim.

3. Step 2: Document Everything with Proof

3.1 Take Clear Photos and Videos

Use your phone or camera to capture the damage in detail. Include both close-ups and wide shots. Document the date and time—this helps establish the storm event as the cause of damage.

3.2 Save Weather Reports

News articles or Environment Canada alerts verifying storm conditions during the damage can strengthen your claim and timeline.

4. Step 3: Contact Your Insurance Provider

4.1 File Early

Contact your insurance company as soon as possible. Many policies require that damage be reported within a specific timeframe (often 30 days).

4.2 Be Clear and Organized

Have your policy number ready, provide a brief summary of the damage, and explain what caused it. Your adjuster will walk you through the next steps and schedule a visit.

5. Step 4: Get a Roof Inspection from a Professional

5.1 Why a Contractor Assessment Matters

Hiring a trusted roofing contractor—like Pickering Roofing—for a written damage assessment adds weight to your claim. A qualified roofer can identify less visible problems that insurance adjusters may overlook.

5.2 What the Inspection Report Includes

A detailed report usually covers: type of damage, estimated cost of repair or replacement, materials required, and repair urgency.

6. Step 5: File Your Insurance Claim

6.1 Paperwork Preparation

Submit all required documentation, including photos, contractor inspection reports, and the adjuster’s notes. Double-check for accuracy.

6.2 What Happens Next

The insurance company will review your claim, and if approved, will outline your payout. Depending on your policy, you may receive direct reimbursement or payment issued to the contractor.

7. Real-Life Case: Ontario Hailstorm Claim Approved

In 2022, a Markham homeowner experienced extensive hail damage after a June storm. Acting fast, she took over 40 photos and called Pickering Roofing for an emergency inspection. Thanks to the detailed report and proper documentation, her $18,000 claim was fully approved within three weeks—covering a full roof replacement.

8. Work with Pickering Roofing to Make It Easy

Filing a roofing insurance claim in Canada doesn’t have to be stressful. Pickering Roofing works with Canadian homeowners every day to simplify the process—from inspections and damage reports to working directly with your insurance adjuster. Let us help you protect your home, your family, and your investment with confidence.