Quick Answer: A Calgary roof insurance claim typically moves through 5 stages: damage event, contractor inspection, claim filing, adjuster site visit, and settlement. Most legitimate hail or wind claims settle within 30 to 60 days when documentation is complete. Coverage depends on whether your policy pays Actual Cash Value (depreciated) or Replacement Cost Value (full new), and on roof age, deductible, and exclusions. HAAG-certified contractor reports carry more weight with
