Hail Insurance for Your Home

Thursday, August 9, 2012

Hail Insurance for Your Home

Unfortunately for those living in Western Canada, and particularly Alberta, the threat of hail damage is real. Alberta is considered ‘hail alley’ due to the close proximity of the Rocky Mountains. Alberta has seen the worst hail storms of anywhere in Canada and one hail storm in 1996 resulted in $300 million in property losses and another hail storm in 1991 resulted in 116,000 insurance claims!

With this information in mind, it is imperative that you check with your homeowner’s insurance policy to make sure that you are covered for hail damage. Many people underestimate the amount of damage that hail can cause (as it happens in mere minutes), but think of softballs falling from the sky and landing on your house. This would cause major damage, and this is exactly what happens with hail damage. Sometimes, windows and siding are damaged as the hail may come at an angle. Hail damage is serious, and homeowners should be insured in case such damage occurs.

If a hail storm does occur, you should inspect your property and home to see if you can find any damage to your property including to the:

  • Siding
  • Windows
  • Gutters
  • Shutters
  • Roof

Even if you do not suspect hail damage, it is wise to ask your insurance provider to provide an adjuster to inspect if there is any damage. This adjuster should be trained to identify hail damage.

In the event of a hail storm, it is wise to document the size of the hail (generally in the form of a photograph). You can also document any damage that the