Was Your Roof Damaged in a Storm? Here’s What You Need to Know
If a sudden storm just swept through your area—whether you’re in Barrie, Collingwood, Parry Sound, or the Muskokas—your roof might have taken a serious hit.
Hail, wind, ice, and falling trees can leave behind damage that isn’t always visible at first glance. But for Ontario homeowners, the bigger challenge often comes after the storm: figuring out how to file a roofing insurance claim correctly—and quickly—before more damage occurs.
This guide is designed to take the stress out of the process. As a trusted roofing company that has supported hundreds of homeowners across Ontario, JN Roofing is here to walk you through each step of the roof insurance claim process, making it smoother, faster, and far less overwhelming.
What’s Covered by Home Insurance in Ontario? (And What’s Not)
Understanding what your insurance does (and doesn’t) cover is the first step.
Commonly Covered in Ontario:
- Windstorm damage (e.g., missing shingles from gusts in Barrie)
- Hail impact (often seen in Collingwood or Gravenhurst)
- Tree or limb impact (frequent in Parry Sound and cottage areas)
- Ice damming (a serious issue in Muskoka and Northern Ontario)
Often Not Covered:
- General wear and tear from aging
- Poor roof maintenance
- Unreported past damage
Most policies require storm damage to be reported within 30–60 days, and insurers expect professional documentation for approval. That’s where JN Roofing’s certified inspections make all the difference.
The 6-Step Roofing Insurance Claim Process
Step 1: Document the Damage Immediately
Take clear, time-stamped photos and videos of:
- Damaged or missing shingles
- Visible holes, flashing issues, or leaks
- Interior water spots or ceiling stains
- Any snow, ice, or debris on the roof
Photos are critical. We recommend photographing from multiple angles.
Step 2: Contact Your Insurance Provider
Notify your insurance company and open a claim. Be ready to provide:
- The date and type of storm
- A brief description of damage
- Your policy number
Don’t delay—your coverage may depend on quick action.
Step 3: Schedule a Roof Inspection with JN Roofing
Before your adjuster shows up, book a free inspection with our team. JN Roofing provides:
- A licensed insurance roof inspection in Barrie and nearby areas
- Detailed documentation and estimate aligned with insurer requirements
- A fast turnaround so your claim doesn’t stall
“We’ve helped 100s of Ontario homeowners get storm damage fully covered. We know what your adjuster needs to see.”
Step 4: Submit Photos & Estimate to Your Adjuster
You’ll need to send:
- Your photos of the roof damage
- JN Roofing’s official report
- Our written repair estimate
We can even submit this directly to your adjuster, reducing the risk of errors or missing details.
Step 5: Attend the Adjuster Walkthrough (We’ll Be There)
When your adjuster visits the property, JN Roofing will join the site visit to:
- Point out storm-specific damage
- Provide professional insight into roofing materials and damage extent
- Ensure a fair and complete inspection
Most homeowners don’t know what to say to adjusters—don’t worry, we do.
Step 6: Schedule Approved Repairs
Once the claim is approved, we’ll:
- Schedule the work quickly
- Use licensed, local crews
- Handle everything from emergency tarping to full replacement
You’ll get high-quality repairs that meet all Ontario Building Code requirements—and peace of mind knowing it was done right.
Common Pitfalls (And How to Avoid Delays or Denials)
Avoid these costly mistakes that can jeopardize your roofing claim:
- Waiting too long to report (Insurers may reject late claims)
- Incomplete documentation (Missing photos = weaker claim)
- DIY or unlicensed contractors (Insurers may deny or reduce coverage)
- Relying only on your insurer’s assessment (Some damage gets overlooked)
Solution: Work with a licensed roofing contractor like JN Roofing who knows how to document and advocate for your claim properly.
Why Choose JN Roofing for Insurance Claims in Ontario?
We specialize in storm damage roof claims in Ontario and offer end-to-end support you won’t get from most contractors.
Here’s what sets us apart:
- Free inspections with detailed insurance-ready reports
- Experience with adjusters from Intact, Aviva, Co-operators & more
- Service areas include Barrie, Parry Sound, Collingwood and Muskoka
- Licensed, insured, and locally trusted
- We deal with the paperwork—so you don’t have to
“After the hailstorm in Huntsville, JN Roofing handled everything. The inspection, the adjuster walkthrough, the repairs—it was all done in two weeks, fully covered. I couldn’t believe how smooth it was.”
— Sarah M., homeowner in Muskoka
Free Damage Inspection & Insurance Support – Book Now
Storm just passed through? Don’t wait for the next rainfall or snowmelt to cause more damage.
- Free roof inspection within 24–48 hours
- Insurance documentation & estimate included
- Serving Barrie, Muskoka, Parry Sound, and surrounding areas
- Trusted by 100s of Ontario homeowners
Book Your Free Inspection Today. Let JN Roofing help you protect your home—and your peace of mind.