Will Insurance Pay for a Hail Damaged Roof in Saskatchewan? In most cases, yes. A hail damaged roof is normally covered by a standard home insurance policy: the Insurance Bureau of Canada states that “standard home and business insurance policies cover damage caused by hail or wind.” How much the insurer pays, and whether it pays for a full replacement, depends on your policy type, your deductible, the age of the roof and how well the damage is documented. Here is how it works in Saskatchewan, step by step. Does home insurance cover hail damage to a roof? Hail is one of the perils standard home policies cover, according to IBC’s hail and insurance guide. That matters in Saskatchewan, where hail is not a rare event. On August 20, 2025, Environment and Climate Change Canada reported hail “up to the size of baseballs” near Langham, just northwest of Saskatoon, with wind gusts as high as 155 km/h. The losses add up. The Insurance Bureau of Canada reported that summer 2026 storms in Alberta, Saskatchewan and Manitoba caused more than $1.8 billion in insured losses, including over $900 million from the June 9 and 10 flood, hail and wind event in Saskatchewan and Manitoba. Two things are worth knowing up front. First, the shingle warranty does not cover hail: IKO’s Canadian limited warranty excludes damage caused by acts of God, and hail is named in that list. Second, the province will not step in for insurable damage: the Saskatchewan Public Safety Agency states that its Provincial Disaster Assistance Program does not “cover insurable items (even if you didn’t purchase insurance).” For a hail damaged roof, your home insurance is the route. What should you do right after a hailstorm? Act quickly, document everything and limit further damage. IBC’s guide to filing a home insurance claim lays out the steps: Do not climb onto a damaged roof yourself. Photos from the ground, of dented vents, eavestroughs and downspouts, and of granules collected at the bottom of the downspouts, are useful and safe. How can you tell if hail damaged your roof? Hail damage is not always obvious from the ground, and a roof can be damaged without leaking right away. IKO lists the signs of hail damage as “holes and dents in your roof, dented gutters and distortions to your eavestroughs,” and notes that cold temperatures make shingles more brittle, which changes how they react to impact. Dents in soft metal, like vents, flashing and eavestroughs, are a good indicator that the storm was strong enough to affect the shingles. A professional roof inspection confirms it. At Mex Roofing, once you have contacted your insurer, we provide the inspection and a damage report to support the insurance assessment. Will insurance pay for a full roof replacement? It depends on how much of the roof was damaged and on your policy. The Financial Consumer Agency of Canada explains the two common ways home insurance settles a claim: On an older roof, that difference can be large, because depreciation reduces what an actual cash value policy pays. In both cases, “you’re always responsible for paying the deductible.” The insurer’s adjuster will inspect the roof and estimate the repair or replacement cost. If the damage is spread across the roof rather than limited to a few shingles, a replacement is the more common outcome. As the Asphalt Roofing Manufacturers Association notes about shingle repairs, a repaired section can look different because the new material “has not aged the same as the existing roof.” Will insurance cover a 20 year old roof? Possibly not in full. IBC explains in how home insurance rates are set that “insurers generally prefer that roofs are updated within 20 years. If your roof has reached its lifespan and leak occurs, the interior damage may be covered, but the roof damaged would not be insured.” In Saskatchewan’s climate, asphalt shingle roofs typically last between 15 and 25 years, depending on installation quality, ventilation and exposure to severe weather. If your roof is close to that age, read your policy wording and ask your insurer how the roof’s age affects your coverage before a storm, not after. Can you choose your own roofing contractor? Yes. IBC states plainly: “You can use a contractor or supplier of your choice to do any repairs. Your insurer will estimate the damage.” It also notes that if your contractor charges more than the insurer’s estimate, you cover the difference, so it pays to have your contractor’s inspection and the adjuster’s estimate side by side. Choose a local, established contractor with a fixed address, proper insurance and a written workmanship warranty. After big storms, out-of-town crews appear quickly and are gone just as quickly when a problem shows up later. Should you upgrade to impact-resistant shingles when you replace? If the roof is being replaced anyway, it is the best moment to consider it. IBC’s hail protection advice is to “install a self-adhering waterproofing underlayment when re-roofing and consider using Class 4 impact-resistant roofing when completing upgrades or repairs.” The Institute for Catastrophic Loss Reduction’s hail guide explains that “Class 4 indicates that the product was still functional after being struck twice in the same spot by 2″ steel balls,” and recommends that homeowners re-roofing in moderate to high-risk hail zones use Class 4 shingles. A 2024 ICLR resilience analysis puts the extra cost at about $600 to $1,200 for an average-sized house. Ask your insurer whether the upgrade is covered as part of the claim or whether the difference is yours to pay. How Mex Roofing helps with a hail claim Mex Roofing is a locally owned roofing contractor in Saskatoon. After a storm, the process is simple: you contact your insurance provider first, then we inspect the roof and prepare a professional damage report to support the assessment. As an IKO RoofPRO Craftsman Premier contractor, we install IKO shingle systems with ice and water shield and synthetic underlayment on every roof, backed by a… Continue reading Will Insurance Pay for a Hail Damaged Roof in Saskatchewan?
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Roof Replacement Cost in Saskatoon: What Drives the Price
Roof Replacement Cost in Saskatoon: What Drives the Price Roof replacement cost in Saskatoon depends on the size of the roof, its pitch and complexity, the shingle line you choose, and what the crew finds under the old shingles once they come off. There is no honest single number. As a reference, IKO, the shingle manufacturer, puts most asphalt shingles at $100 to $300 per square for the shingles alone, and its closest Prairie example, Calgary, falls between $6,000 and $21,000 CAD for a full replacement. Where your home lands in that range is decided by the factors below. How is a roof measured for a quote? Roofers price by the “square”, and one square is 100 square feet of roof surface. The roof surface is not the same as the floor area of your house. Overhangs, steeper pitches, dormers and garages all add roof surface, so a 1,500 square foot bungalow can have noticeably more than 15 squares of roof. That is why the first step of any accurate quote is measuring the actual roof. To put the IKO range in perspective, a roof that measures 20 squares would need roughly $2,000 to $6,000 in shingles alone. Everything else in a replacement, the tear-off, disposal, underlayment, ice and water protection, flashing, vents and labour, comes on top of that. What are the main factors that change the price? IKO lists the components and conditions that move the cost of a new roof: Two of these deserve a closer look in Saskatoon, because they are the ones most homeowners do not see coming: the deck and the protection layers. Why does the roof deck matter so much? The deck is the layer of boards or panels the shingles are nailed to, and nobody can fully see its condition until the old roof is stripped. The Asphalt Roofing Manufacturers Association defines a roof replacement as “the process of removing the existing roof covering, repairing any damaged substrate, and installing a new roof covering.” It calls for a full replacement when the deck shows “rotted or warped wood or large gaps (greater than 1/4 inch) between the deck boards”, when there are already two layers of shingles, or when the roof is sagging along the ridge or truss lines. Tearing off also gives the crew, in ARMA’s words, “the opportunity to inspect the roof deck, repair any damage, and improve deck attachment to the underlying structure.” IKO notes that contractors usually only need to replace a few panels or planks that show visible wear or rot. A fair quote states how damaged decking will be priced if it is found, so there are no surprises on installation day. Do you need a building permit to replace a roof in Saskatoon? Usually not. The City of Saskatoon lists the replacement of roofing on a one to four unit dwelling among the work that does not need a building permit, “unless the decking is replaced.” In other words, a standard re-shingle has no permit cost, but if the deck itself is being replaced, a permit comes into play. A contractor who knows Saskatoon will tell you which case your roof falls into. Why have roofing prices gone up in Saskatoon? Because construction costs in Saskatoon have been rising faster than in most of Canada. According to Statistics Canada, the residential building construction price index for Saskatoon went from 109.1 in the second quarter of 2025 to 115.3 in the second quarter of 2026, an increase of 5.7% in one year. The 15-city composite rose 2.3% over the same period. Statistics Canada also explains part of the reason: builders reported that higher fuel prices increased operating costs, including the cost of construction equipment and the transportation of building materials. For a homeowner, the practical takeaway is that a quote from two or three years ago is not a reliable guide to today’s price. Is it worth paying more for impact-resistant shingles? In a hail province, it often is. A December 2024 resilience analysis by Keith Porter and Alexa Tanner for the Institute for Catastrophic Loss Reduction found that Class 4 impact-resistant (IR4) shingles “add about $0.30 to $0.60 per square foot, or $600 to $1,200 for an average-sized house.” The same study estimates a benefit-cost ratio of “$8 saved per $1 of added cost” compared with non-impact-resistant shingles. The study is equally clear about the limits: impact-resistant roofing reduces or prevents shingle fracture from hailstones of 2.5 cm to 5 cm, and larger stones can still break them. It is an upgrade that lowers risk, not a guarantee. What should a roof replacement quote include? A complete quote should cover: Ventilation belongs on that list for a reason. IKO’s Canadian limited warranty excludes damage “caused by inadequate ventilation either at the eaves or on the rooftop of the building”, so a cheap quote that skips proper venting can cost you warranty coverage later. At Mex Roofing, every roof includes ice and water shield and synthetic underlayment, and every job carries a 10 year workmanship warranty on top of the manufacturer’s coverage. As an IKO RoofPRO Craftsman Premier contractor, Mex can also offer IKO’s extended Iron Clad Protection. How do you get an accurate price for your roof? With an inspection. Roof size, pitch, deck condition and ventilation are all things that have to be measured on the roof, not guessed from the street. That is why Mex Roofing provides free, no-obligation roofing estimates for homeowners in Saskatoon and within about 30 minutes of the city, including Warman and Martensville. Most residential replacements are completed in one to three days once the job is scheduled. Frequently asked questions How much does it cost to replace a roof on a 1,500 square foot house? It depends on how many squares of roof the house actually has, which is usually more than the floor area suggests once pitch and overhangs are counted. IKO’s reference for Calgary, the closest Prairie city in its guide, is $6,000 to $21,000… Continue reading Roof Replacement Cost in Saskatoon: What Drives the Price