06/22/2026
Does Home Insurance Cover Hail Damage to Siding & Eavestroughs?
Clear answer: yes, typically under Section 1 (dwelling) if sudden/accidental.
What Is the Property Damage Insurance Claim Process?
Filing a claim with most home insurance providers is fairly simple. You’ll follow these basic steps:
1. Assess the damage. Take a look at the affected area of the property.
2. Contact the insurance company. Once you have an overview of the situation and are confident that it warrants filing a claim, contact your insurance company and notify them. They will help you begin the process and assign an adjuster to your case.
3. Document the damage. Take pictures and videos of any damage on your property related to the claim you’re filing. While you’re adjuster will take their own photos, you’ll want to have a set for your own records in case of a disagreement with your insurance company.
4. Arrange for clean-up. Many insurance companies will cover the costs of a clean-up crew to remove debris from your property. Call your insurance provider to see if this is included with your policy.
5. Calculate the cost of losses and repairs. Once your insurance adjuster arrives, they will assess your home and then provide an estimate for the damages, losses, and necessary repairs. Based on this estimate, your insurance company will provide a settlement—out of which you can pay for repairs to your home. It is not uncommon for these estimates to take several days to be sent to you after their on-site inspection.
6. Hire a contractor for repairs. Your insurance company might recommend a contractor, but you should have the opportunity to hire one yourself. Give us a call before you agree to work with anyone else—we’ll be happy to give you a second opinion on the price and turnaround time you’ve been quoted, and we’re always ready to do the job faster and more affordably if we can.
7. Complete the process. Once the repairs have been finished, your insurance company will reimburse you or provide you a co-named cheque that you can endorse. Then you’ll sign the final paperwork and your case will be closed.
Walk through what Calgary homeowners need to document and how Big5 can help with the insurance process in our guide here:
Claiming House Damage: How to Work with Insurance Companies & Contractors
https://big5.ca/home-exterior-insurance-claims/