Insurance Claims

Submitting Insurance Claims is Easy

Have you experienced recent storm damage? From start to finish, we can help you navigate the insurance process. Hubbard has extensive experience working with many insurance companies in Calgary and the surrounding areas.


We will build you a complete claim file which includes:


No. It is your legal right to select the company of your choice to do the repairs or replacements that are being covered by your insurance company. When choosing a company, do your homework. A great place to start is a company’s online reviews. We are finding it is no longer what we say about our company that matters, but what others say that carries the most weight.

Most insurance companies require that you report a possible claim within one year of the damage (although this can vary and we recommend you check your policy for your specific policy information). You will also need to know the date of loss which is the day on which your home was damaged. An insurance company uses this date to see if your claim is within the required reporting period.

An adjuster will be out to look at your property, usually around 1-2 weeks after the claim is filed. If the adjuster finds a sufficient amounts of bruises or breaks in each test square, you will be approved.

It is a good idea to get a second opinion if you believe your home sustained storm damage. 

In most cases the insurance company will reduce the original claim amount by 20%, but in some cases, the insurance company will give a full payout. Within one year of accepting the payout, your insurance company will contact you to confirm the repairs were completed. If you have not completed the repairs by then, they will cancel coverage on items not repaired or replaced. It is in your best interest to contact your insurance company and find out their policy on cash payouts.

This varies between insurance companies. The cheque may be payable to the contractor directly, it may be a co-payable cheque to you the homeowner and the contractor (which you would sign over after completion), or the cheque may be payable to you. However, you are always responsible for payment of your full deductible.

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