Residential Roof Insurance Claim
Clear roof documentation helps an insurer assess a home insurance claim. Hail rarely punches a hole; it bruises the mat and knocks off the granules that shield the asphalt, and a roof inspection can help distinguish storm damage from ordinary aging. Markit Roofing provides the technical evidence that residential roof insurance claims stand on across Calgary and Edmonton.
Know what this service is and is not. Our role is roof assessment and documentation; we do not negotiate your insurance payout or determine coverage. Our job is the technical half: measuring, photographing, and writing up the roof so the report your adjuster reads is accurate, then doing the approved repair. Report damage promptly and ask your insurer about applicable deadlines.
The Evidence an Insurer Weighs on a Home Roof
An insurer assesses a residential roof insurance claim using the policy terms and the evidence available. Clear photographs, inspection findings, and a repair scope help explain which areas are damaged and what work is proposed. Documenting the roof’s condition gives the adjuster information to review, but it does not determine coverage or guarantee a particular settlement.
- Hail bruising read as wear
- No record before the storm
- Damage found after repairs
- Loss reported months later
- Granule loss missed entirely
These issues can make damage harder to assess. Booking a residential roof inspection ahead of the adjuster’s visit gives you a dated record, close-up photographs of the impact marks, and a read on whether the fault is due to storm damage or age. The roof’s age and condition may affect the assessment; coverage, depreciation, and payment depend on the policy and the insurer’s findings.
Our Claim Documentation Process
Document the Damage Safely
The first day matters more than owners expect. Photograph visible damage when it is safe, and do not delay urgent protection work to obtain pictures. Keep records of temporary repairs and related costs. We record the roof with dates, slope locations, and a scale mark on each impact.
Making safe is not repairing. Ask your insurer what temporary protection and documentation your policy requires. We stabilize the roof during residential emergency roof repair, documenting visible damage when safe, so that shielding the house from the next rain never wipes out the proof the whole claim rests on.
Inspect the Whole Roof Properly
Next, we survey the roof and document the visible damage. Our HAAG-certified inspectors separate hail and wind damage from wear, recording the roof’s condition so the insurer can assess the findings alongside your policy.
We check every slope for the soft bruises hail leaves, for stripped granules, and for courses the wind has lifted, then read the attic for the water path a surface look misses. Different slopes on the same house can weather differently, so we grade each face separately instead of writing off the whole roof because one slope looks tired.
Meet Your Adjuster On the Roof
We then walk the roof with your adjuster instead of leaving them to it alone. Showing a bruise on the mat and the granules washed into the eavestrough below convinces far better than describing them, and the visit provides an opportunity to discuss findings and answer technical questions.
Our role here is technical, never adversarial. We talk the adjuster through each finding, the method behind it, and what the shingle system needs to be made whole. Whether the loss is covered depends on the adjuster and your policy wording; it’s up to us to provide them with accurate, dated evidence.
Prepare the Scope and Paperwork
The last step is the written scope: the slopes, the materials, the ice-and-water shield, and the code items the repair must meet. Our scope gives the insurer a detailed repair proposal to review line by line, and it flags matching shingles that may no longer be made.
Understand how a home claim pays out. Payment may depend on whether your policy provides replacement cost or actual cash value, along with applicable limits and deductibles. Ask your insurer how depreciation, repair deadlines, and any held-back payment apply to your claim. Our repair scope does not change your policy terms.
