On June 26, 2020, ICLR conducted a special webinar on the June 13, 2020 Southern Alberta storm. On the evening of Saturday, June 13, 2020, large swaths of southern Alberta, including portions of Calgary, where hit with high winds, torrential rain and tennis ball-sized hail. ICLR estimates that the hailstorm could very well be the costliest hail event in Canadian insurance history, surpassing the $580 million in insured damage caused by the August 7, 2014 hailstorm in Airdrie, Alberta. In this session, presenters discussed the meteorology of the event (what happened, when, why and how); the damage, as experienced by insurance adjusters responding to storm claims, and the impacts of hail on structures, including a look at building material performance, damage thresholds and damage mitigation. Presentations include: The anatomy of a billion dollar hailstorm Dr. Julian Brimelow, Physical Sciences Specialist, Applied Environmental Prediction Science, Prairie & Northern Region, Environment and Climate Change Canada. Boots on the ground: The adjusters’ view Glenn Smith, Head of Global Catastrophe Logistics, CRU Group . Calgary Hailstorm: Exposing our vulnerability to hail & where do we go from here? Dr. Ian Giammanco, Lead Research Meteorologist and Senior Director for Product Design, Insurance Institute for Business and Home Safety (IBHS).

1. IBHSRESEARCH
CALGARY HAILSTORM
EXPOSING OUR VULNERABILITY TO HAIL
WHERE DO WE GO FROM HERE?

2. Hailstorms now routinely expose that we
do not build with this
hazard in mind
Image courtesy of Calgary Herald

3. Spectrum of hail
damage

4. Ingredients for a Catastrophic Hailstorm
Big Hail
Lots of Hail +Wind
Major metro
Vulnerable
Roof Covers

6. Residential Structure Claims by Attribute
92%
Roof
damage
5%
Other building
components
2%
Windows
1%
Walls
Claims/Damage by
Building Component
IBHS Closed Claims Study 2012: Dallas-Fort Worth Hail Event
Adapted from Brown et al. (2015)

7. IBHS Closed Claims Study 2012: Dallas-Fort Worth Hail Event
Roof Cover Claims
79%
Asphalt-Comp.
Shingles
3-Tab
Architectural
Other
Metal Slate
Tile Unknown Roof Cover
2%
Adapted from Brown et al. (2015)
0.65%
0.93% 18%
0.2%

8. Do we really understand product
performance?

9. IMPACT
RATED
ASPHALT
SHINGLES

12. PROS CONS
Repeatable Physics is wrong = wrong
damage mode
Simple setup Kinetic energies too high
Fast execution Evaluation of back of shingle
Pass/fail
Product differentiation?
UL 2218
“Epic fail” “Not so bad”

13. Most impact testing standards trace
their roots to work from the 1930’s
Standards and old science…

14. Road to the IBHS Hail Impact Test Standard
Foundational Research to Operational Testing to Product Development to Changing the Marketplace
Evaluate existing test
standards
Field measurements
Manufacturing
laboratory
hail New testing protocol

15. Most current science
Objective damage
classification
2 inch manufactured
hailstones
June 2019 October 2019

16. IR SHINGLE COST SURVEY

17. HOW CAN WE
REDUCE ROOF
DAMAGE?

20. Other building attributes

21. Shake siding
(could be concrete fiber board,
wood, composite)
Vinyl siding

25. Mission Critical Steps to Bend Down the Hail Loss Curve
Fighting Back Against Hail
Awareness & Socio-Economic Factors
Provide cost-effective solutions and choices. Reduce fraud. What are the
nudges to get people to act and protect their home?
Improving Building Material Testing
Testing MUST be representative of the hazard, evolve as science improves, and
have real-world predictive performance.
Can building codes lean in?
Fort Collins, Colorado recently codified a requirement that all new roofs use
impact-rated products.
Knowledge
Understanding characteristics of Hailstorms, regional variances, climate change
Right materials, right place, at the right price!
Ultimately we must build to deal with the hazards that we face. This is the only way to
avoid the damage, disruption, & financial loss that comes with severe weather

26. igiammanco33
Disastersafety
IBHSHailStudy