Dealing with hail damage can be a stressful experience, especially when it comes to navigating the insurance claim process. In Alberta, homeowners need to follow specific steps to ensure their hail damage claims are handled smoothly and efficiently. Here’s a step-by-step guide to help you through the process:
1. Assess the Damage
Immediate Inspection: As soon as it is safe, inspect your property for hail damage. Look for visible signs such as dented roofs, damaged siding, broken windows, and any other issues. Document the damage with detailed photos and notes. This will be crucial for your insurance claim.
2. Contact Your Insurance Provider
Report the Claim: Notify your insurance company about the hail damage as soon as possible. Most insurers have a 24/7 claims reporting line or an online portal. Provide them with a brief overview of the damage and your contact information.
Initial Instructions: Your insurer will provide you with initial instructions and may ask for basic information about the damage. They might also provide you with a claim number, which you’ll use throughout the process.
3. Document Everything
Detailed Documentation: Keep thorough records of all damage, repairs, and communications with your insurance company. KEEP ALL OF THE EMAILS. This includes photographs, written descriptions, and any correspondence related to the claim.
Keep Receipts: Save receipts for any emergency repairs or temporary measures you take to prevent further damage. These expenses may be reimbursed under your policy. This includes skylight repairs, boarding up windows, or getting tarps laid on your roof.
4. Schedule an Adjuster Visit
Inspection by Adjuster: Your insurance company will send an adjuster to inspect the damage(they can be third party adjusters). Schedule a convenient time for the visit and ensure you or a representative is present to provide access and answer questions.
Provide Information: During the adjuster’s visit, provide them with all the documentation and details about the damage. Be honest and comprehensive to help ensure an accurate assessment.
5. Review the Adjuster’s Report
Receive Report: After the inspection, the adjuster will prepare a report (Scope of Work) detailing the extent of the damage and the estimated cost of repairs. Review this report carefully to ensure it accurately reflects the damage.
Ask Questions: If you have any questions or concerns about the report, discuss them with the adjuster or your insurance company. Clarify any discrepancies or missing details. Double check if they missed anything, at times adjusters can be so busy that they overlook things.
6. Get Repair Estimates
Hire Contractors: Obtain repair estimates from licensed contractors for the necessary repairs. Your insurance company may provide a list of preferred contractors, but you can choose your own as long as they are licensed and insured. (This creates a system of balances and checks)
Submit Estimates: Send these repair estimates to your insurance company for approval. They will use these estimates to determine the amount of your settlement.
7. Review and Accept the Settlement Offer
Settlement Offer: Once the insurance company has reviewed the estimates, they will provide a settlement offer. This offer will detail the amount they will cover for repairs, less any deductible.
Review Carefully: Review the settlement offer carefully. Ensure it covers all necessary repairs and matches your repair estimates. If you disagree with the offer, negotiate with your insurer or seek a second opinion.
8. Complete Repairs
Repair Work: Once you accept the settlement offer, proceed with the repairs. Ensure that the work is performed by a licensed and reputable contractor.
Keep Records: Document all repair work and keep receipts. Submit these to your insurance company if required to receive reimbursement or to provide proof of work done.
9. Follow Up
Final Check: After repairs are completed, follow up with your insurance company to confirm that all aspects of your claim have been addressed and that any additional payments or reimbursements are processed.
File a Complaint: If you encounter issues or disputes with your insurance company, consider filing a complaint with the Alberta Insurance Council or seeking assistance from a professional advocate.
Navigating the hail claim process in Alberta involves careful documentation, clear communication with your insurance company, and thorough follow-up. By following these steps, you can help ensure that your claim is processed efficiently and that your home is restored to its pre-damage condition. Remember to stay organized and proactive throughout the process to achieve the best outcome for your hail damage claim.
