Roof Protection Your roof plays an important role in protecting your home and its contents. Damage to a roof caused by hail or wind is usually covered under a home insurance policy. Hire a licensed roofing contractor for repairs, replacement and advice on appropriate roof materials. Hail, wind and other types of severe weather can damage your roof. If you have one layer of asphalt shingles on your roof, it may be more susceptible to hail damage than two layers. Each spring and fall, be sure to get out your binoculars and inspect your roof from the ground. Common signs of age-related wear and tear or potential issues may include:Cracked, curling or missing shinglesRain gutters that are filled with leaves, nests or other types of debris1Asphalt debris or granules in a gutter or on the groundWear around chimneys or other fixturesUnsecured drainage and downspouts that angle toward a foundation.2You may also check your attic for signs of wear on your roof. Look for:Outside light coming through your roofVisible signs of water damageSagging boards.2 Typical Insurance Coverage for Hail or Wind Damage Damage to homes caused by hail or wind is usually covered under your home insurance policy. This includes damage caused by flying debris or falling branches or trees, or damage to your home and its contents from water entering through sudden openings caused by wind or hail. In certain circumstances, if you are unable to live in your home due to insurable damage you may also be covered for additional living expenses.Roof Materials While there are many types of roof coverings, your choice may depend on where you live. Options to consider include:Asphalt – many choices Wood – less resistant to fire, more susceptible to extreme wet or dry climates as well as pest damageSlate or tile – weight and a need for specialty contractors are considerationsStanding-seam metal – helpful with clearing snow loadsConcrete – may last the lifespan of your property.2A licensed roofing contractor can provide you with more information about suitable choices for your home. Sources: 1Is Your Home Protected from Hail Damage? A Homeowner’s Guide to Hail Retrofit2Do You Need a New Roof? 10 Ways to TellReduce Hail Damage to HomesStorms Are Coming: Are You Covered?A Guide to Roofing the Right Way Filing an Insurance ClaimSometimes life happens. If you’ve been in a collision or if your home has been burglarized or damaged in some way, you’ll want to get your life back to normal as quickly as possible.Personal Property InventoryDo you know how much your possessions are worth?Home Insurance: Is Yours Up to Date?Protect your most valuable asset. Make sure your home insurance is up to date with the checklist and tips in this brochure.Home Insurance – Q&AQuestion to ask your insurance representative. Related ServicesGradingThe area next to your foundation becomes susceptible to water damage as the soil slope degrades. Improving the grade or angle of slope on your property can help improve water drainage, as well as prevent flooding and associated damage.Rain BarrelsRain barrels can reduce water consumption by 27,000 litres per growing season. Installation is easy with IBC’s tips.Backwater ValvesSewage in a basement or on a ground floor is a mess. Installing a backwater valve can prevent sewers from backing up and may make you eligible for a rebate.DownspoutsAcross Canada, many municipalities have mandatory, volunteer or rebate programs to encourage homeowners to disconnect their downspouts from the sewer system. Directing rainwater away from sewers has economic and environmental benefits. Here’s how to disconnect your downspouts.Oil Tank CareWithout proper insurance, if your oil tank spills or leaks you could be 100% responsible for cleanup costs – which average $250,000 to $500,000 but can be even more. As a property owner, you are responsible for the year-round maintenance of this potential environmental hazard. Useful LinksBuying Home InsuranceAs a homeowner, you need to insure your house for replacement costs so that in the event of serious damage or destruction you have adequate coverage. Be sure to keep your home insurance current by reporting material changes or upgrades.Home Inventory ApplicationA current inventory of your belongings makes it easier to file a claim. Keeping your records off-site is wise in case a fire or flood damages your property. Consider updating your home inventory each spring and advise your insurer of any major purchases.DisasterAm I covered? When can I start to rebuild? In the wake of a disaster, there are many questions to consider. ICLRThe Institute for Catastrophic Loss Reduction (ICLR) is a world-class centre for multi-disciplinary disaster prevention research and communications.