Roof and Siding Limitation endorsement

Be ready before the hail hits. (Applicable to Alberta, Saskatchewan and Manitoba only)

Severe hailstorms are common June - September

Prepare, Prevent, Protect

Mitigate the damage inflected by these severe weather events by taking steps to prepare, prevent and protect your property in the event of a hailstorm.

 (Applicable to Alberta, Saskatchewan and Manitoba only)


Have an emergency kit ready:

  • Flashlight
  • Water
  • Snacks
  • First Aid
  • Batteries

Stay away from windows & doors.

Store/secure patio furniture, BBQs, etc.

Park car in carport/garage (if possible).


Install hail-resistant materials:

  • Class 4 asphalt shingles
  • Concrete, clay or slate tiles
  • Rubber
  • Wood shakes or shingles

These upgrades can reduce the damage storms can bring.


In the event of an insured loss, Aviva’s Roof & Siding coverage offers up to $2,500 for purchase of hail-resistant materials to replace roof/siding.

Hail Storm Page 1_1200x627

How the Roof & Siding Limitation endorsement works

Applies to damage from a hailstorm, windstorm or the weight of ice, snow or sleet in Alberta, Manitoba and Saskatchewan.*

Age Adjusted Cost Factor

A claim is settled based on age adjusted cost (similar to depreciation). This approach factors in the material and its age at the time of the insured loss. (Replacement /repair costs are subject to reduction from installation date to the date of loss or damage.)*

Affected materials

The age adjusted cost factor will be applied to the following materials in an insured loss:

  • Asphalt shingles (excluding Class 4 Hail Resistant)
  • Flat roofs made of tar and gravel or membrane
  • Vinyl and or aluminum siding


Minimum deductible

The minimum deductible varies per province. Please speak with your broker to learn more.

Our Climate Commitment to Customers

In 2021, we announced our plan to become a net zero carbon emissions company by 2040. Aligned to this, and as the frequency and intensity of extreme weather increases, we are working to reduce the impact of climate change on our customers’ lives, helping them to become more resilient and mitigate future disruptions from extreme weather events.

Aviva and the Aviva logo are trademarks used under license by the licensor. The content on this page is for information purposes only.

*The insurance products described herein are subject to terms, conditions, restrictions and exclusions, which are outlined in our final policy wording. Please speak with your Aviva insurance broker if you would like to learn more.

Contact your broker today to learn more