Hail and Storm Damage Roof Repair in McKinney
Partial hail damage repair: $700 to $4,000
After a hailstorm the roof usually looks fine from the street. The damage is in the shingle: granules knocked loose, the asphalt mat bruised underneath, a small crack that will not leak for months. By the time a ceiling stains, the storm is a year back and the claim is harder to make.
Hail is the big one here. Allstate ranked Collin County first in Texas for wind and hail claims from 2012 to 2016, and the April 11, 2016 storm affected about 80 percent of the homes in Wylie and did more than $300 million in damage, by the National Weather Service's count. Texas led the country in State Farm hail claim payouts in 2025, at $1.4 billion.
What storm damage looks like up close
- Hail hits: round or irregular dark spots where granules are gone, soft when pressed on a fresh hit, often with a cracked mat.
- Granule loss: piles of granules at the bottom of the downspouts and bare patches on the shingles.
- Wind damage: shingles creased across the tab, torn off along the edges, or lifted and lying loose because the seal strip let go.
- Collateral damage: dents in gutters, downspouts, vent caps, the AC condenser fins and soft metal on the roof. Adjusters look at these to size the hail.
- Debris: punctures and broken shingles from limbs.
How the inspection and repair run
The roofer walks every slope, marks a test square on each one, counts the hits, and photographs each with a chalk circle so the size is clear. You get the photos and a written finding: repairable, partial replacement, or full replacement, with the reason.
If the damage is real and covered, you file with your insurance company. The roofer can meet the adjuster on the roof and point out every hit. When the claim is settled, the work is done to the estimate, and any supplement for hidden damage such as rotted decking goes back to the insurer with photos.
Texas Insurance Code section 4102.163 bars a contractor from acting as a public adjuster, or advertising to adjust claims, on any property it is or may be repairing, and the Texas Department of Insurance says it is illegal for a contractor to waive, rebate or absorb your deductible under Business and Commerce Code section 27.02. So the roofer documents the damage, meets your adjuster on the roof and writes the repair estimate. The claim stays between you and your insurance company, and you pay your deductible.
Storm chasers
After a big storm, crews from out of state come through with yard signs and door knockers. Some do good work. Some are gone before the warranty matters. Signs to walk away: a contract that assigns your claim to them, an offer to cover or waive your deductible, a demand for a large deposit before materials show up, or pressure to sign before your adjuster has been out.
Upgrading after hail
Impact-rated shingles are tested under UL 2218, and the Texas Department of Insurance notes that a Class 4 roof, the top rating, gets the largest credit where an insurer offers one. Each company sets its own discount, so call your agent before you pick the shingle. After the job the roofer fills out TDI form PC068 or your insurer's own form, and in September 2026 TDI urged insurers to offer real premium discounts for impact-resistant roofs.
What it costs
Repairing hail or wind damage on part of a roof runs $700 to $4,000. Damage across every slope usually means a full replacement at $8,000 to $16,000, which is when the insurance claim matters most. An emergency tarp while the claim is open is $175 to $700.
Call (469) 457-4804 after the storm passes. The roof gets inspected and photographed in McKinney and across Collin County before you file.