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Storm Damage & Claims Assistance

Roof Maintenance Services calgary

Why Choose Alfa Roofing & Siding Ltd. As Your Storm Damage Experts?

We proudly hold an A+ rating with the Better Business Bureau and are GAF Master Elite Certified. We are one of the few Calgary companies that can offer you extended manufacturer warranties and our exclusive Lifetime Alfa Warranty.

Our team is dedicated to helping you maximize your claim, ensuring you receive what you’re entitled to and restoring your home to its pre-storm condition. We assist you fairly, legally, and with great attention to detail.

You have the legal right to choose any company for repairs or replacements covered by your insurance. However, be cautious and thoroughly research the company you are considering before making your selection. You can count on the ALFA Team to provide expert guidance and support every step of the way.

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Maximize your Claim

Our Inspectors have a proven track record of finding missed damage on claims, Increasing customers settlements by $5-7K.

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Certified Inspections

Claims from our certified inspectors are more likely to be approved by insurance adjusters, ensuring a smoother process for you.

Comprehensive Restoration Services

From start to finish, we have dedicated & specialized installers as well as a project director to coordinate all aspects of storm damage restoration, including:

  • ROOFING – Asphalt, Cedar, Rubber, Metal.
  • SIDING – Vinyl, Hardie, Cedar, Aluminum, Steel.
  • METALS – Gutters, Downspouts, Soffit, Fascia, Cladding.
  • WINDOWS & SCREENS
  • SKYLIGHTS
  • DOORS & OVERHEAD GARAGE DOORS
  • PAINTING
  • PATIO COVERS & AWNINGS
  • EMERGENCY AND/OR TEMPROARY REPAIRS

Attention Calgary Homeowners !!

Are you receiving what you’re entitled to from your insurance company?

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If your home has sustained damage from hail, wind, or any other storm damage, your insurance company should cover the costs, less the deductible and depreciation (if applicable), to restore your home to pre-storm conditions. This depends on your insurance company & your policy coverage.

That being said, it’s not always how it works out. Not all insurance companies are the same! There are a few (a very few) insurance companies that have your best interests in mind and will send a qualified adjuster for the initial inspection.

Learn More about your claim & insurance coverage

One Common Reason Insurance Adjusters May Fall Short

Insurance adjusters brought in after major storms may lack the specialized knowledge needed to accurately assess storm damage. Without experienced professionals on your side, you risk receiving inadequate compensation for your losses.

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NEXT STEPS:

Hail damage isn’t always visible from the ground or even with a drone. Even a tiny crack from a sharp piece of hail can lead to expensive leaks. Follow these steps to ensure your home is thoroughly inspected and properly repaired:

  • Reach Out to Us First: You may not have enough damage to qualify for a claim, and placing the initial call to your insurance company could risk losing your first-claims discount.
  • Contact Your Insurance Company: If damage is confirmed and a claim is warrented, open your claim with your insurance provider.
  • Get the Assessment: After the adjuster visits, obtain the assessment from your insurance company to understand what is being covered.
  • Contact ALFA: With your claim in hand, we’ll review it with you, line by line, to ensure nothing has been missed or overlooked, we also ensure the pricing is up to date.
  • Approval or Supplements:
    • Approval: If all damage is captured and the pricing is up to date, you’re ready to start repairs. While rare, some lucky homeowners experience this straightforward process.
    • Supplements: If any damage is missed or the insurance pricing is outdated, we’ll notify you. Together, we’ll contact your adjuster via email to request the necessary supplements. We stay current on insurance pricing by using the same quoting software that insurance companies use during storm season.

Following the next steps ensures that your hail damage is thoroughly assessed and repaired with maximum ALFA Team support.

Need help navigating your insurance claim?
Contact our team for free assistance!

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Caution: Make sure to ask your insurance company questions before agreeing to a payout.
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Here's what a few of our customers have to Say

“Kelly was very friendly and professional. Alfa was very thorough in the evaluation of Hail damage to our home. They increased the value of our insurance claim 30% ensuring all damage was identified.

The Alfa team worked diligently to assist in new color design for our home and matched siding to roofing.

The work crews worked tirelessly to complete both the siding and roofing on time. They were also very accommodating, friendly and professional. I would recommend Alfa for your home repair.”

Lawson W.

“After the hail storm last July, we received estimates from other companies but are so happy we chose Alfa to complete the repairs. Cody and Breanne went above and beyond for us. They dealt with our insurance company and we received a substantially larger settlement because they were so thorough in inspecting our home and Cody noticed damages that other companies had not included.

The crews from Alfa that replaced our roof, siding, eavestroughs, etc were extremely professional and friendly.

We would highly recommend this company and are so happy with our “new” home!”

Liz P.

“Alfa staff are very experienced and professional.
They came to physically measure and inspect my hail damaged roof and siding where some other companies just want to hear about it over the phone.

Alfa also helped me debate with the insurance company to get the maximum return.
Installation was quick, clean, and efficient.

I have great peace of mind now, with a long warranty on my roof.
Highly recommend!”

Paul F.

Frequently Asked Questions

How Long do I have to file a claim?

You have 1 year from the “date of loss” the date of the storm, insurance companies require that you give them the exact date. You then have 2 years to complete the restorations. This is for the majority of insurance companies, it’s in your best intrests to reach out to your insurance company or insurance broker for the confirmed details of your policy.

What do you do when your insurance company refuses to pay for your damages?

If your claim gets denied in any way, we will go through your policy again, get the necessary documentation and advocate on your behalf. Our team will continue working until we get to the solution that you require be it repair or replacement.

After my insurance company has finally given the nod to my claim, what is the next step to be taken?

Once your insurance claim is approved, we will review all the approved items within your estimate with you. We will then determine which items you prefer to cash out or upgrade, schedule your project, and proceed with fixing or replacing the roof system and all exterior repairs promptly.

What happens if I take a cash payout?

Typically, insurance companies may decrease the original claim amount by 20%; however, Some companies will provide the full payout or provide recoverable depreciation. Following the acceptance of the payout, your insurance provider will contact you within a year to verify completion of repairs. Failure to finish repairs within this timeframe may result in the cancellation of coverage for unrepaired or replaced items. It’s advisable to reach out to your insurance company to understand their policy regarding cash payouts.

Does insurance cover the entire roof replacement?

Generally, the insurance companies cover the full roof replacement, but this will depend on the specific insurer and policy you have. Some of the policies may provide a complete payout for a new roof, while others may only provide for partial replacement. The first and foremost thing that is required is to go through your policy and have a word with your service provider regarding the coverage.

How Do Insurance Companies Settle or Pay Out Claims?

Payment methods vary between insurance companies. Here are the common scenarios:

  • Co-Payable Cheque: The cheque may be co-payable to both you (the homeowner) and the contractor. You would endorse the cheque over to the contractor after the work is completed.
  • Direct Payment to Contractor: The cheque may be made out directly to the contractor handling your repairs.
  • Payment to Homeowner: The cheque may be payable directly to you, the homeowner.