Navigating Repairs and Insurance Assessments After Winter Storm Damage

Jan 19
3 min read

If you reside in Saskatoon, you're well aware that winter storms can cause serious damage to homes and properties. Blown off shingles being the most common ailment, the aftermath often requires urgent repairs and insurance assessments. Knowing how to handle these steps efficiently can save time, money, and stress. This post guides you through the key actions to take after winter storm damage, focusing on repairs and working with insurance companies.

Eye-level view of a snow-covered roof with visible damage — Damaged shingles in Saskatoon

Assessing the Damage Quickly and Safely

After a winter storm, the first priority is to check your property for damage. Safety comes first, so avoid entering areas that look unstable or dangerous. Look for common signs of winter storm damage such as:

Missing or broken roof shingles
Ice dams causing water leaks inside the house
Damaged gutters and downspouts

Document everything with photos and notes. This record will be essential for your insurance claim. Take clear pictures from different angles, focusing on the most obvious damage. If you cannot safely inspect certain areas, consider hiring a professional inspector or contractor. (Cough, cough.... Enter OXE Inc.)

Understanding Your Insurance Policy

Before contacting your insurance company, review your homeowner’s insurance policy. Not all winter storm damage is covered, so knowing your policy details helps set realistic expectations. Common coverage includes:

Roof damage caused by ice or snow weight, blown off shingles
Damage from falling trees or branches

Some policies exclude damage caused by neglect or lack of maintenance, so it’s important to keep your property in good condition year-round. If you are unsure about coverage, call your insurance agent for clarification.

Filing an Insurance Claim

When you file a claim, provide your insurer with the documentation you collected. Be clear and detailed in describing the damage and how it happened. Here are some tips for a smooth claims process:

Submit photos and videos along with your claim form
Keep receipts for any emergency repairs you make to prevent further damage
Request a claim number and contact information for your adjuster
Stay organized by keeping copies of all correspondence

Insurance adjusters will likely visit your property to assess the damage in person. Be present during the inspection to point out all affected areas and answer questions.

Close-up view of an insurance adjuster inspecting a damaged roof — Insurance inspection in Saskatoon

Choosing Reliable Repair Services

Once your claim is approved, it’s time to start repairs. Select a roofing company in Saskatoon who has experience with winter storm damage and insurance claims. Ask for references if need be. A trustworthy Saskatoon roofing company will:

Provide a detailed written estimate
Work directly with your insurance company if possible
Use quality materials suitable for winter conditions
Offer warranties on their work

Repairs may include replacing shingles, fixing leaks, thawing and repairing pipes, or clearing ice dams. Acting quickly helps prevent secondary damage like mold growth or structural weakening.