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Beyond The Shingles
Calgary insurance claims beyond the shingles. Hail, wind, heavy snow, fallen limbs and even small ember exposure can bruise shingles, dent metal, crack skylights, pull gutters, soak attic insulation and stain ceilings and walls. Claims can range from associated siding damage, damaged downspouts, broken vents and even interior finishes impacted by roof leaks.

Some policies will exclude certain materials or cap coverage based on roof age, so check your policy before filing and understand what’s covered, what’s not, and any depreciation rules.

Remind homeowners that insurance claims may also cover related damage to siding, gutters, skylights, attic insulation, and interior ceilings caused by roof leaks or storms.
Record damage to metal flashing, cracked skylight lenses, bent gutters, torn siding, wet blown-in insulation and ceiling stains. Get wide and close shots, date them and save receipts for emergency tarps or drying fans.

There’s hidden damage lurking beneath the surface after hail and chinook winds, so be sure to include attic checks for wet sheathing, mould and loose vent boots.

Consider upgrading to impact-resistant shingles, improving attic ventilation, and implementing waterproofing measures during roof repairs to reduce future risks and lower insurance premiums.
When replacing, request Class 4 impact‑resistant shingles rated for hail typical to Calgary. Certain insurers provide premium discounts.

Minimum 16″ ice and water shield at eaves and valleys, premium underlayment upgrade, and roof‑to‑wall joint seal. Optimize attic ventilation with balanced intake and exhaust to prevent ice dams and heat stress.

These steps reduce termite claim risk and can even out heating bills.

Highlight the value of regular roof maintenance, professional roof inspections, and prompt minor repairs to prevent costly claims and extend the lifespan of roofing systems.
Get professional inspections every spring and fall, and following severe hail or heavy snow. Pros identify subtle bruising, lifted shingles, punctured membranes on flat roofs, and deteriorated sealant that you may overlook.

Little things, such as resealing flashings, re-fastening drip edges, and clearing gutters, can prevent leaks that turn into interior claims.

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