Hail Damage in Frisco: What to Do After the Storm Passes
Frisco sits in one of the busiest hail corridors in North Texas. Here is how to check your roof, document what you find and get the repair done right.
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The first two days after a hailstorm
Stay safe
Do not climb onto a roof after a storm. Look from the yard and from upstairs windows.
Photograph the evidence
Shoot dented gutters, downspouts, AC fins, window screens and the hail itself next to a coin or ruler. Our list of photos to take after roof storm damage helps.
Book an inspection
A roofer should walk every slope and mark hits with chalk so they show up in photos.
Read before you sign
Storm chasers arrive fast. See what to know before signing a roofing contract after a storm.
Frisco's hail record, in numbers
NOAA's Storm Prediction Center logged 201 hail reports within 10 miles of Frisco from 2015 through 2024. Sixty-eight of those reports were 1.75 inches or larger, the size at which hail can crack shingles, dent metal and break skylights. The largest stone measured 4.5 inches, on March 24, 2019.
Large hail is not a rare event here. It was reported in 8 of those 10 years: 2016, 2017, 2018, 2019, 2021, 2022, 2023 and 2024. Frisco spans Denton County and Collin County, and storms that cross either one can reach parts of the city. Roofs that came through one storm intact may not come through the next.
What hail damage looks like on a roof
Soft spots
A shingle that feels spongy under a thumb has a bruised mat even if it looks whole.
Missing granules
Round dark spots where the stone knocked the coating off expose the asphalt to sun.
Cracks and splits
Bigger stones can split shingles outright, opening a path for water.
Dents in metal
Vents, flashing and gutters show hits clearly and help confirm storm size. Compare with wind damage vs. hail damage.
Places hail damage hides
The slopes that faced the storm, which often take the hardest hits.
Ridge caps, which sit highest and catch stones from every direction.
Soft metals like vent caps, flashing and the tops of chimney chases.
Skylights and their frames, where a crack can leak straight into a room.
The fins of the AC unit and the siding, which help show the size and direction of the storm.
Wooden fences and decks, where fresh splatter marks show the hail was large enough to leave marks.
How insurance fits in
Whether a claim is paid depends on your policy, your deductible and your insurer's review. GemSco does not promise approval. What we do is inspect the roof, document every hit with photos and give you a written estimate you can share with your adjuster. Our roof insurance claims page explains the process, and our hail repair service covers the work itself.
It also pays to know your deductible before the storm season starts. Many Texas policies use a percentage deductible for wind and hail, which can be larger than owners expect. Our guide on how a roof insurance deductible works walks through it.
If the damage turns out to be widespread, roof replacement in Frisco is usually the next conversation.
Frequently Asked Questions
How soon should I report hail damage to my insurer?
Check your policy, because many set a deadline for reporting storm damage. In general it is best to inspect and report soon after the storm, while the date is clear and the evidence is fresh. Waiting can make it harder to tie the damage to a specific event.
The roof is not leaking. Is there still hail damage?
There can be. Hail often bruises the mat of a shingle or knocks off granules without opening a hole. The leak comes later, as sun and rain wear down the weak spot. An inspection with photos tells you what is there while it is still easy to document.
Should I replace my roof with impact-rated shingles after hail?
In an area with a record like Frisco's, it is a fair option to price. Class 4 shingles under UL 2218 are tested against harder impacts. Some insurers may treat them differently, but that depends on your company, so ask your agent first.
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