With annual losses due to hail damage amounting to over $1 billion and climate change contributing to the frequency and intensity of such events, it is time to pay attention to this problem. Insurance professionals should possess a basic understanding of how hail forms, the factors that influence the size and speed of hailstones, as well as the regions and seasons in which homeowners are most likely to experience hail damage.  They should also be knowledgeable about the factors of construction design and materials that may prevent or mitigate damage due to hail.



By the end of this course, participants will have a clear understanding why hail damage is of great concern to the insurance industry.  The goal is for insurance professionals to be able to apply this knowledge in their respective roles to provide advice or recommendations to clients, stakeholders, and colleagues. 


Course Content

This course covers the following topics:

The Institute for Catastrophic Loss Reduction

Understanding Hail Damage

How Hail is Formed

Regions and Seasons of Hailstorms

Recommendations for Damage Mitigation and Prevention

Research and Standards of Roofing Materials

Websites to Investigate

Protecting Homes and Vehicles



This course is now available to all ILScorp General or Adjuster CE Subscribers.

Included as part of the ILScorp General CE Subscription.
Included as part of the ILScorp Adjuster CE Subscription.

Credit Hours: 1

Credit Type: General/Adjuster – Technical and RIBO – Technical

Credit #: AIC#64636; MB41993

Accrediting Provinces:




Course Learning Objectives

Successful participants in this course will:

  • Be aware of the mission and mandate of the Institute for Catastrophic Loss Reduction
  • Be knowledgeable about the mounting problem of hail-related damage in Canada
  • Be familiar with statistics relating to hail damage
  • Know about Canada’s first National Adaption Strategy
  • Be able to discuss the costs to insurers resulting from hail damage
  • Be knowledgeable about the geographic regions most affected by hail damage
  • Understand the process and the contributing factors to hail formation
  • Be aware of the factors responsible for a better understanding of decreasing the potential damage caused by hail
  • Be able to point out factors of design and available materials which decrease impact of hail damage on roofing, windows, and siding
  • Know the purpose and usefulness of Canadian Asphalt Shingle Manufacturers’ Association (CASMA) 
  • Recognize the importance of talking with homeowners to provide them with an  understanding of  what types of damage are covered under their policy.




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