Residential Roof Insurance Claim

Most home roof claims are lost on the roof, not at the desk. Hail rarely punches a hole; it bruises the mat and knocks off the granules that shield the asphalt, and that reads as ordinary aging unless someone records it within days of the storm. 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. Under Alberta's Insurance Act, only a licensed adjuster may handle the negotiation, so we never bargain the payout or act as your advocate. 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. File within 12 months of the storm, the deadline the Act sets.

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The Evidence an Insurer Weighs on a Home Roof

An adjuster spends little time on any one roof, often during the crush after a hailstorm when hundreds of homes report at once. What they do not see never enters the scope of your residential roof insurance claim, and the gap between the damage on your shingles and the damage in the settlement is where homeowners quietly lose money they were owed.

These are documentation failures, not damage failures. 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. On a roof over 15 years old, where insurers depreciate asphalt over a 20- to 25-year life, that single distinction decides the file.

Our Claim Documentation Process

Document the Damage First

The first day matters more than owners expect. Photograph everything before a tarp or patch touches it, because once the roof is made safe, the original damage is hidden and its extent becomes an argument. We record the roof with dates, slope locations, and a scale mark on each impact.

Making safe is not repairing. Your policy expects you to prevent further loss, yet it also expects that loss to stay evidenced. We stabilize the roof during residential emergency roof repair, photographing the original damage first, 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 the way an adjuster rarely has time to. Our HAAG-certified inspectors separate hail and wind damage from wear, which matters because the most common pushback is that the shingles were already near the end of their life and the storm merely finished them off.

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. A sheltered north slope and a sun-beaten south slope on one house age years apart, 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 questions that would otherwise take a week of email get answered on the spot.

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.

Settle 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. A vague scope invites a thin settlement, so ours is detailed enough to work line by line, and it flags matching shingles that may no longer be made.

Understand how a home claim pays out. Most Alberta policies settle at replacement value in two parts: the depreciated amount first, the held-back portion released once the work is done. One storm draws one deductible even when four slopes are hit, and that deductible stays yours; we never rebate it, because doing so is fraud.

Residential Roof Insurance Claim

The Evidence an Insurer Weighs on a Home Roof

Our Claim Documentation Process

Document the Damage First

Inspect the Whole Roof Properly

Meet Your Adjuster On the Roof

Settle the Scope and Paperwork

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