Navigating Insurance Claims After the August 5th Hail Storm

Hello Calgary friends,

The August 5th, 2024 hail storm left many with property and vehicle damage. As your dedicated Calgary realtor, I’ve seen firsthand the challenges of navigating insurance claims. Here are some tips to help you maximize your insurance coverage.

Document the Damage

Once it's safe, document all damage to your property and vehicles. Use your phone to take clear photos and videos from various angles. Make a list of damaged items with their approximate value and identifying details.

Notify Your Insurance Company

Report the damage to your insurance company as soon as possible. Provide them with the documentation and be ready to discuss the extent of the damage.

Understand Your Policy

Review your insurance policy to know what is covered, including your deductible and storm damage clauses. Ask your insurance agent for clarification if needed.

Secure Your Property

Prevent further damage by securing your property, such as covering broken windows or tarping damaged roofs. Document any emergency repairs, as these costs can often be included in your claim.

Get Repair Estimates

Obtain multiple estimates from reputable contractors before agreeing to repairs. This will help you understand the true cost and ensure a fair price. Your insurance company may require multiple estimates before approving your claim.

Keep Records

Maintain detailed records of all communications with your insurance company, including dates, times, names, and summaries of conversations. Keep copies of emails, letters, and receipts for any related expenses.

Be Persistent

Insurance claims can be lengthy and frustrating. Be persistent in following up, but remain polite and professional. Your patience and persistence can help ensure smooth processing.

Consider Professional Help

If you struggle to get your claim approved or feel unfairly compensated, consider hiring a public adjuster or attorney specializing in insurance claims. They can provide expert guidance and advocate on your behalf.

Review Your Policy

After your claim is settled, review your insurance policy. Ensure you have adequate coverage for future events and consider making necessary adjustments, like increasing coverage limits or adding specific endorsements.

Helpful Resources

Here are some additional resources that might be helpful:

• Insurance Bureau of Canada: 1-844-227-5422
  Website: Insurance Bureau of Canada

• Alberta Emergency Management Agency: 310-0000
  Website: Alberta Emergency Management Agency

• Calgary 311: Call 311 or use the app for non-emergency city services
  Website: Calgary 311

• Canadian Independent Adjusters' Association: 1-800-387-5677
  Website: CIAA

• Alberta Insurance Council (Complaint Services): 1-800-461-3366
  Website: AIC Complaint Services

• Consumer Protection Alberta: 1-877-427-4088
  Website: Consumer Protection Alberta

If you have any questions or need further assistance, please don’t hesitate to reach out to me directly. I’m here to help you navigate this process and get your property and life back to normal.

Realtor Rana
Your Trusted Calgary Realtor  
Phone: 403-710-1399 
Email: rana.matturi@exprealty.com
Website: investingincalgary.ca

Stay safe, as you know Calgarians are strong and resilient, always ready to weather any storm together.

Warm regards,  
Rana