Insurance Claim Help
Hail and wind damage are common across Southern Alberta. We document the loss, work with your insurer on the scope of covered roofing and exterior work, and install the approved repairs. You stay in control of your claim.
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How we help after a storm
When your insurer approves a claim for roofing or exteriors, Apex can perform the covered work. We photograph and document damage, prepare a clear scope, and coordinate with your adjuster on pricing for that scope so the work can move forward.
We do not act as a public adjuster. We may discuss the scope and pricing of covered work with your insurer or adjuster for the purpose of agreeing the work to be performed. You remain responsible for coverage decisions and all dealings with your insurer.
How payment works
Deductible
Apex will not pay, waive, rebate, credit, or absorb any portion of your insurance deductible. The deductible is the homeowner's responsibility and is due upon or before Substantial Completion.
Contract Price
The Contract Price is your insurer's approved Replacement Cost Value (RCV) for the agreed scope, plus any upgrades or non-covered items you authorize in writing.
Insurance proceeds
- ACV (initial payment): due to Apex when you receive those funds from your insurer.
- Recoverable depreciation: due to Apex when you receive it after completion.
- Upgrades and non-covered items: you authorize these in writing; they are invoiced separately and due at Substantial Completion.
Not a public adjuster
Apex does not act as a public adjuster. We may discuss the scope and pricing of covered work with your insurer or adjuster to agree on the work. You remain responsible for coverage decisions and for your dealings with your insurer.
If your claim is denied
If the claim is denied or there is no covered scope, either party may cancel at no cost, except for any inspection or services you separately authorized in writing.
Warranty
Workmanship on residential insurance jobs is covered by the Apex Lifetime Workmanship Warranty.
What we handle vs. what you handle
Apex
- Document damage with photos
- Scope covered roofing and exterior work
- Discuss scope and pricing with your adjuster for the work to be performed
- Obtain roofing permits when required
- Install the approved work and clean up the site
- Issue the Apex Lifetime Workmanship Warranty on residential jobs after substantial completion and full payment
You
- File and manage your insurance claim
- Make coverage decisions with your insurer
- Pay your deductible in full
- Forward ACV and recoverable depreciation to Apex when you receive them
- Authorize any upgrades or non-covered items in writing
Workmanship warranty
Residential insurance restoration workmanship is covered by the Apex Lifetime Workmanship Warranty, issued upon Substantial Completion and full payment. Manufacturer material warranties pass through to you under their own terms.
Common questions
Will Apex cover or waive my deductible?
No. Apex will not pay, waive, rebate, credit, or absorb any portion of your deductible. The deductible is your responsibility and is due on or before Substantial Completion.
Are you a public adjuster?
No. We do not act as a public adjuster and we do not negotiate your coverage or claim entitlement. We may discuss the scope and pricing of covered work with your insurer so the approved work can be performed. You remain responsible for your claim.
When do I pay?
Your insurer's ACV payment is due to Apex when you receive it. Recoverable depreciation is due when you receive it after completion. Your deductible is due on or before Substantial Completion. Owner-authorized upgrades are invoiced separately and due at Substantial Completion.
What if the claim is denied?
If the claim is denied or there is no covered scope, either party may cancel at no cost, except for inspection or services you separately authorized in writing.
Damaged roof? Let's document it
Book a free estimate or call 825-882-ROOF (825-882-7663), Monday to Friday, 8 am to 5 pm. We reply the same business day.
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