Canada / Manitoba
Prairie Storms Hit Manitoba Too.
We Write the Supplement.
We are a United States estimating desk writing Xactimate supplements for Manitoba roofing contractors. Manitoba is a smaller market than Alberta or Ontario, and we are not going to pretend otherwise on this page. What it shares with both is a code that changed recently and storm activity that generates real scopes with real gaps. Pricing is in United States dollars, stated plainly.
All pricing in USD.
The code question, answered properly
Manitoba does not use the IRC. The province adopts a national model code with its own amendments, and the regulation currently in force is the Manitoba Building Code, Manitoba Regulation 78/2023, which adopts the National Building Code of Canada 2020 and came into force on January 1, 2024. It replaced the previous Manitoba Building Code, built on the 2010 national edition, which was repealed the same day.
We read the regulation directly rather than relying on a summary of it. Manitoba's laws website is one of the few provincial law portals that returns actual statutory text to a direct request instead of a script-driven shell, and we used that access to confirm the edition and the in-force date ourselves. What we are not going to do on a marketing page is walk through individual technical provisions out of context. That belongs on an actual file, where the specific building and the specific work determine what is relevant.
The changeover date still matters the same way it does everywhere else. A roof built or permitted before January 1, 2024 answers to a different edition than one built after. Establishing which one governs comes before writing any code argument, not after.
What the storm numbers actually say
The Insurance Bureau of Canada reported that the severe storms crossing Manitoba and Saskatchewan on June 9 and 10, 2026 have driven insured losses above $840 million, according to the latest estimate from Catastrophe Indices and Quantification Inc. Its own initial estimate three weeks earlier was more than $728 million. IBC described the event itself as bringing tornadoes, hail, damaging winds, torrential rain, and flash flooding to communities across both provinces.
Two things are worth being precise about, because a vague version of this stat is worse than no stat. First, that figure covers Manitoba and Saskatchewan together, not Manitoba alone, and we do not have a Manitoba-only number we can trace back to IBC directly. Second, it is an initial estimate. We have seen larger figures for the same event circulate in the weeks since, but we did not read those at an IBC source ourselves, so they are not on this page. Thinner and correct beats bigger and borrowed.
What that storm profile means for a scope is straightforward. A single event that produces tornado, hail, wind, and flash-flood damage in the same 48 hours does not fit neatly into one line item. Roof coverings, flashing, and ventilation answer to the wind and hail side. Anything below the roof deck that got wet answers to a different sequence of questions entirely. A scope that treats the whole loss as one undifferentiated event is usually missing something on one side or the other.
Wind coverage, flood coverage, and why the difference matters
IBC's own consumer guidance, issued after Manitoba flooding, draws a clean line between two kinds of water damage that get confused constantly on a roofing file. Damage to homes caused by wind is usually covered, including damage from flying debris, falling branches or trees, or water entering through an opening the storm itself created. Overland flood damage, meaning water from a river or other body of water overflowing onto dry land, is a separate and optional coverage. IBC states it is widely available in Manitoba but often includes coverage limits and may be unavailable in a known flood-plain or high-risk area.
Manitoba has real flood history behind that guidance. The Province's own emergency management pages document major flooding along the Red River and Assiniboine River basins in 1950, 1997, 2009, and 2011. We are citing that as a mitigation and hazard fact, which is what those pages actually contain, not as an insured-loss figure, because it is not one. Confusing a flood-history fact for a dollar figure would be exactly the kind of number nobody actually read at its source, and this program does not ship those.
What we do not claim
- We are not licensed in Manitoba. Adjusting is provincially regulated here and our credential is a United States one. We do estimating and supplement documentation, working behind you.
- We do not claim to have Manitoba insurers mapped. They are different companies from the American ones, and inferring their behaviour from a US insurer would be making something up.
- We make no permit claim on this page. Every source we found on Manitoba re-roofing permits was a contractor blog and they contradicted each other. If permits matter on your file, the municipality is the answer, not us.
- We do not give coverage opinions. Whether a specific loss is covered under a specific policy is a question between your customer and their insurer. We scope the work, we do not adjudicate the policy.
- We are a US company working remotely. Nothing about the service depends on being in the same country as the roof, and we would rather you know that before you send a file than after.
The TEC Guarantee
Send us an average of 2 claims per week for 12 months and we guarantee you will add a minimum of six figures in additional margin to your business. If you do not, we write you a $5,000 check at the end of the 12 months.
All pricing in USD, and the guarantee is paid in USD. This is a commitment we are making to you, not a projection of what your claims will return.
Questions
Which building code applies to a Manitoba roof?
Manitoba adopts a national model code with its own amendments rather than writing one from scratch. The current regulation, the Manitoba Building Code under Manitoba Regulation 78/2023, adopts the National Building Code of Canada 2020 and came into force on January 1, 2024. It replaced the previous Manitoba Building Code, built on the 2010 national edition, which was repealed the same day. Which edition governs a specific building depends on when it was built or last permitted, so that is a per-file question, not a blanket answer.
Do you actually read the code text, or just the summary?
We went to the regulation itself, not a summary of it. Manitoba's laws website returns the actual schedule text to a direct request, which is not true of every province's law portal. What we do with that is limited on purpose: we can tell you which edition governs and when it took effect, and we will not manufacture a provision-by-provision argument on a public page. On an actual file, we cite what is relevant to that file specifically.
How bad was the June 2026 storm activity on the Prairies?
The Insurance Bureau of Canada reported that insured losses from the severe storms crossing Manitoba and Saskatchewan on June 9 and 10, 2026 have climbed above $840 million, according to the latest estimate from Catastrophe Indices and Quantification Inc. IBC's own initial estimate for the same event, published three weeks earlier, was more than $728 million. IBC described the event as bringing tornadoes, hail, damaging winds, torrential rain, and flash flooding to communities across both provinces. Two things worth being straight about: that is a combined Manitoba and Saskatchewan total rather than a Manitoba-only number, and it covers tornado, hail, wind, and flash-flood damage together rather than any one peril.
Is that $840 million figure just Manitoba?
No, and we are telling you that plainly rather than letting the number imply something it does not. IBC's release covers Manitoba and Saskatchewan together as one event. We do not have a Manitoba-only insured-loss figure we can source to IBC directly, so we are not presenting one.
Does wind damage from a storm like that get covered?
IBC's own consumer guidance, issued after Manitoba flooding, states that damage to homes caused by wind is usually covered, including damage from flying debris, falling branches or trees, or water entering through openings a storm created. The same guidance is clear that overland flood damage from rivers overflowing onto dry land is a separate, optional coverage that is widely available in Manitoba but often carries limits and may be unavailable in known flood-plain or high-risk areas. Those are two different coverage questions and a scope needs to know which one it is answering.
Manitoba has a real flood history. Do you have loss figures for that?
Manitoba's flood history along the Red River and Assiniboine River basins, including major events in 1950, 1997, 2009, and 2011, is well documented by the Province's own emergency management pages. Those are flood-mitigation and hydrology pages, not insured-loss data, and we are not going to dress a mitigation fact up as a dollar figure it does not contain. The only Manitoba-linked dollar figure on this page is the IBC storm total above, and it covers wind, hail, and flash flooding together, not flooding on its own.
Do you know how Manitoba insurers handle supplements?
The insurers operating here are different companies from the American ones and we will not claim to have their settled behaviour mapped. What transfers is the mechanics. A scope missing starter, drip edge, ridge cap, or steep charges is missing them in any market, and quantities taken off a measurement report are right or wrong regardless of the country. What we learn about a specific insurer, we learn on your file and tell you honestly.
Are you licensed in Manitoba?
No, and we do not present ourselves as being. We are a United States company and our credential is a United States one. Adjusting is provincially regulated in Canada. What we do for you is estimating and supplement documentation, delivered remotely, working behind you while you keep the relationship with your insurer.
What currency are your fees in?
All pricing is in United States dollars. We do not quote in Canadian dollars and we do not publish a converted figure, because an exchange rate printed on a web page is out of date almost immediately. Your own bank or card issuer applies the conversion at the rate on the day you pay.
Send us one and see
Send the insurer estimate and your measurement report. We will read it and tell you what we see, including telling you if there is nothing worth chasing on it.
All pricing in USD.