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What Hail Damage to Your Roof Costs You in Calgary

Usually your deductible, plus any upgrade you choose

Standard home insurance covers hail and wind damage (Insurance Bureau of Canada). Your insurer decides what is covered, the deductible and any depreciation.

Calgary figures for 2025-2026 · reviewed 2026-09-27 · how we set these ranges

Rough out your own number

Change the inputs and the range updates. It is a starting point for comparing quotes, not a quote.

= 20 squares

Not sure? Ask each roofer for the square count on the quote. One square is 100 sq ft of roof.

Typical range for these inputs — Ranges only. Your roof's pitch, access and condition move the real number; compare written quotes.

The quote, line by line

Roof inspection after the stormFree to about $700

Free when a roofer is quoting; an insurance-grade report with photos and measurements runs about $450 to $700

An approved claimYour deductible

Set by your policy, not by the roofer

Class 4 instead of standard shinglesAbout 10 to 20% of the shingle price

Some insurers pay only for like-for-like; ask before you sign

A replacement the insurer did not approveYour full cost

$10,000 to $24,000 for a typical house in architectural shingles

Why Calgary prices look like this

  1. Calgary storms are expensive

    The June 13, 2020 storm caused almost $1.2 billion in insured damage and the August 5, 2024 storm about $2.8 to $3 billion, according to the Insurance Bureau of Canada.

    Source: Insurance Bureau of Canada

  2. Door-to-door offers after every storm

    The IBC advises confirming who a contractor is, who they work for and whether your insurer referred them. A roofer who takes a deposit must hold a prepaid contracting licence, and you can cancel a contract signed at your door within 10 days of receiving your copy.

    Source: Insurance Bureau of Canada; Service Alberta

  3. A deductible is not negotiable through a roofer

    A roofer offering to cover or waive your deductible is a warning sign. Ask your insurer.

    Source: Insurance Bureau of Canada

Red flags in a hail damage quote

  • An offer to pay or waive your deductible
  • A contract signed before your adjuster has seen the roof
  • A contractor who asks you to sign over your claim
  • "Your roof qualifies for a free replacement" from someone at the door

Before any deposit: ask for the roofer's Alberta prepaid contracting licence (Service Alberta's online lookup) and a WCB-Alberta clearance letter, and get the contract in writing.

More on the job itself: Hail Damage & Insurance Claims

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