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:

1. Report the claim to your insurance representative with complete, accurate details as soon as possible. Most insurers have a 24-hour claims service.
2. Take photos of the damage. Public Safety Canada gives the same advice: “Document any damage for insurance purposes.”
3. Limit further damage. IBC notes that “your policy requires you to act to limit any further damage,” for example by covering an opening to keep water out.
4. Keep every receipt for cleanup and emergency repairs.
5. Complete the proof of loss. IBC says it “must be completed and returned to your insurance company within 30 days” in a typical policy.

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:

• Replacement value coverage “gives you the actual cost to replace an item following a covered loss.”
• Actual cash value coverage “gives you the cost of the item when it was new, minus depreciation.”

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 10 year workmanship warranty. Learn more about our roofing services, read our roofing FAQs, or request a free estimate.

Frequently asked questions

Does home insurance cover hail damage in Saskatchewan? Yes, in a standard policy. The Insurance Bureau of Canada states that standard home insurance policies cover damage caused by hail or wind. Your deductible and policy type decide how much you receive.

How long do I have to file a claim for roof damage? Report the damage as soon as possible. IBC notes that a proof of loss typically has to be completed and returned to your insurer within 30 days, so starting early protects your claim.

How much does insurance pay for a roof replacement? With replacement value coverage, the insurer pays the actual cost to replace the damaged roof, minus your deductible. With actual cash value coverage, it pays the cost new minus depreciation, which is lower on an older roof.

Does the shingle warranty cover hail? No. IKO’s Canadian limited warranty excludes acts of God, including hail. Hail damage is an insurance matter.

Will the government help if I have no insurance? Not for the roof. Saskatchewan’s Provincial Disaster Assistance Program does not cover insurable items, even if you did not purchase insurance.

Can I pick the roofer, or does the insurer choose? You can choose. IBC states that you can use a contractor or supplier of your choice, and the insurer estimates the damage.

Sources

• Insurance Bureau of Canada, Hail and insurance
• Insurance Bureau of Canada, How to file a home insurance claim
• Insurance Bureau of Canada, How home insurance rates are set
• Insurance Bureau of Canada, Hail Protection
• Insurance Bureau of Canada, Summer storms across Alberta, Saskatchewan and Manitoba cause more than $1.8 billion in insured losses (2026)
• Financial Consumer Agency of Canada, Home insurance
• Environment and Climate Change Canada, Canada’s top 10 weather stories of 2025
• Public Safety Canada, Hailstorms: Get prepared
• Saskatchewan Public Safety Agency, Provincial Disaster Assistance Program
• Asphalt Roofing Manufacturers Association, Asphalt Shingle Roofs are Repairable
• IKO, Canada Limited Warranty, asphalt shingles
• IKO, How to Know if You Need a Roof Replacement
• Institute for Catastrophic Loss Reduction, Protect your home from Hail
• Porter K. and Tanner A., Institute for Catastrophic Loss Reduction, Alberta Climate Ready Homes Project, Resilience Analysis (2024)