Hail Damage Roof Repair Winnipeg | Storm Insurance Claims Assistance

If your neighbourhood got hit — your roof may be damaged even if it looks fine from the ground. We provide free hail damage assessments, document everything for your claim, and work with all major Manitoba insurance companies.

Know What to Look For
SIGNS YOUR ROOF WAS HIT — AND WHAT TO DO

Hail damage is often invisible from the ground — but a trained eye can identify impact marks, granule loss, and cracked shingles that compromise your roof's waterproofing. The longer it goes unaddressed, the more likely it is to cause interior leaks and mould. Here's what to watch for after a storm:

SHINGLE WARNING SIGNS

❌  Random dark spots or bruising on shingles
❌  Granule loss — look in gutters and downspouts for buildup
❌  Cracked, split, or dented shingles
❌  Exposed asphalt or felt material showing through
❌  Dents on metal flashings, vents, or chimney caps

• OTHER DAMAGE SIGNS

❌  Dents in eavestrough, soffit, or fascia
❌  Cracked or broken siding panels
❌  Water stains on interior ceilings or walls after rain
❌  Neighbours already getting storm roof replacements
❌  Unassessed 10+ year roof—storm damage may be hidden.

We Make It Simple
HOW THE INSURANCE CLAIM PROCESS WORKS

Step 1 — Comprehensive Assessment: We perform a meticulous inspection of your entire roofing system at no cost. Our team identifies and photographs every instance of hail damage, calculates impact density per square, and compiles a professional written report specifically designed for you to submit to your insurance provider.

Step 2 — Filing Your Official Claim: Once you have our report, contact your home insurance carrier to initiate the formal claims process. You will use our detailed findings as your primary evidence during the call. We are always available to provide expert guidance on the specific terminology and details you should highlight.

Step 3 — Professional Adjuster Meeting: When your insurance company sends an adjuster to verify the damage, we can be there on-site to assist. By walking them through our documented findings in person, we ensure no damage is overlooked, which frequently leads to a more comprehensive and successful claim approval.

Step 4 — Claim Approved: Once your insurance provider authorizes the repair or replacement, they will issue the necessary payment to begin the work, less your applicable deductible. Our team will review the scope of the approved settlement with you to ensure every detail of the damage is accounted for and that your new roof meets all current Manitoba building standards.

Step 5 — We Build Your New Roof: Our expert crew executes a comprehensive roof replacement using industry-leading CertainTeed materials, ensuring your home is shielded by the highest standards of durability. From the first shingle to the final inspection, we provide a seamless installation that guarantees long-term peace of mind. Your investment is secured, your property is protected, and the process is complete.

FULLY AUTHORIZED & INDUSTRY RECOGNIZED
We Work With All Major Manitoba Home Insurers

Dealing with a roof claim can be stressful. Whether you are dealing with hail damage, wind, or a sudden leak, we make the process seamless by working directly with all major insurance providers and local brokerages in Manitoba. From providing detailed damage assessments to final inspections, we ensure your claim is handled professionally.

Major Carriers We Work With:

✅  Wawanesa Mutual Insurance
✅  Intact Insurance
✅  Red River Mutual
✅  CAA Manitoba

✅  TD Insurance
✅  Aviva Canada
✅  SGI CANADA
✅  The Co-operators

Insurance Tip: Many Manitoba insurers offer premium discounts for homes with updated roofing systems or impact-resistant shingles. If you’ve recently replaced your roof, be sure to notify your broker!

KNOWLEDGE BASE
Frequently Asked Questions: Manitoba Hail & Insurance Claims

Will my insurance premiums go up if I file a hail claim?

Generally, no. Because hail is considered an "Act of Nature," most Manitoba insurers do not increase individual premiums for a single weather-related claim. Rates are typically adjusted based on the overall risk of an entire postal code or region, rather than your specific claim history.

How much is the typical deductible for hail damage in Winnipeg?

While standard deductibles used to be $500 or $1,000, many major Manitoba insurers (like Wawanesa and Intact) have recently adjusted wind and hail deductibles to a minimum of $2,500 for some policies. We recommend checking your policy's "Declarations Page" or calling your broker to confirm your specific amount.

How long do I have to file a claim after a storm?

In Manitoba, most policies require you to report damage "as soon as possible," typically within one year of the event. However, it is best to file within the first 30–60 days to ensure the damage is clearly linked to a specific storm and to prevent "secondary damage" like leaks or rot, which insurance may not cover if left neglected.

Does insurance pay for a full roof replacement or just a repair?

This depends on the extent of the damage. If hail has "bruised" the shingles across multiple roof slopes or caused significant granule loss that compromises the roof’s lifespan, adjusters often approve a full replacement. Our Step 1 Assessment provides the "impact density" data that help adjusters see why a full replacement is necessary.

My roof is old—will I still get full coverage?

It depends on your policy type.

• Replacement Cost: Covers the cost of a brand-new roof today, regardless of your current roof's age.
  
• Actual Cash Value (ACV): Pays out a depreciated amount based on the age of your shingles.
• Note: Many Winnipeg insurers are moving toward depreciation schedules for roofs over 15 years old. We can help you understand which one applies to you.
  
  

Can I choose my own roofing contractor?

Yes. While your insurance company may suggest a "preferred vendor," you have the legal right to choose any licensed and insured contractor you trust. We provide the exact same itemized "Xactimate" estimating format that adjusters use, making the approval process smooth and transparent.

PROMPT, PROFESSIONAL STORM RECOVERY
Storm Just Hit? Call Us Today.

Our team responds quickly after major Winnipeg weather events. We'll assess your roof, help you document the damage, and guide you through the entire insurance process — at no cost to you until the work is approved.

Book Emergency Inspection →

Or call us directly: 204-295-5045 →