Hail damage? Here's how insurance can — or can't — help

Generally speaking, in Alberta, weather damage to your home including that caused by hail, is covered by standard insurance. That can include, for example, internal damage where water came in through an unexpected opening caused by wind.

It's good news for those whose properties were impacted by the weather system that tore through Calgary on Monday night — smashing windows, tearing through roofs and flooding floors.

But just what, and how much, are you entitled to? That depends on a number of things, according to Anne Marie Thomas, director of consumer and industry relations with the Insurance Bureau of Canada (IBC).

Thomas said while the majority of policies do cover extensive damage, situations can come up where companies might either deny coverage or limit the amount they cover.

"An insurance company might say, looking at your shingles, 'This was a maintenance issue, we're not going to replace the whole roof, we're going to give you a percentage because, if this roof were maintained, the shingles might have been down and the damage may not have happened,'" she said.

Disputes, however, can occur. Thomas said each insurance company has a resolution process involving an ombudsperson who can work with the claims department and the policy holder to find a potential solution.

"But that's a less frequent scenario," Thomas said.

According to IBC, insured losses from hail damage have totalled nearly $3 billion between 2019 and 2023. The majority of that came from a hailstorm in Calgary in 2020 where there were approximately 70,000 insurance claims and more than $1.3 billion in insured damage.

In situations like, that where there are a significant number of claims because of extensive and widespread damage, claims can take a long time to process, according to Rob Barros with Alberta-based insurance brokerage Leibel. 

That can leave those whose homes or vehicles were damaged waiting in a lull, he said.

"When a storm like this happens, quite often it's just a quadrant of the city. Those costs are spread amongst those who are insured with the same insurance company," he said.

"Getting into the queue is essential because there's going to be a number of contractors, a number of adjusters are going to be on the road and the sooner you can get in, the sooner you have a greater chance of being seen."

That lengthy wait is a worst-case scenario for Regs Kuzyk, a resident of northwest Calgary community Livingston, whose vehicle was significantly damaged.

"I work 8 to 5 every day … and there's not a lot of transit up here [in Livingston] so I think for a lot of people out there it's going to be a little bit challenging," Kuzyk said.