Hail Damage Roof Repair for McKinney Homes
McKinney sits in one of the busiest hail areas of North Texas. Here is what the record shows and how to handle damage after a storm.
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The McKinney hail record, 2015-2024
156 reports
NOAA's Storm Prediction Center logged 156 hail reports within 10 miles of McKinney from 2015 through 2024.
59 large stones
59 of those reports were 1.75 inches or larger, big enough to fracture many standard shingles.
4.5 inches
The largest stone in the record measured 4.5 inches, on March 24, 2019.
7 of 10 years
Hail of that size was reported in 2016, 2017, 2018, 2019, 2022, 2023 and 2024.
What that record means for your roof
Storms that frequent mean many McKinney roofs have damage from more than one event. That matters for repairs and for insurance. An adjuster looks at when the damage happened, and older hits that were never reported can be harder to claim later.
It also means a roof that passed after one storm may not pass after the next. Each round of hail weakens the shingles that were already bruised. Our guide on how to identify hail damage on asphalt shingles shows what to look for from the ground.
Wind usually comes with the hail. Gusts can lift and crease shingles on the same day, and that damage looks different from hail hits. Our article on wind damage vs. hail damage explains the difference, which helps when you talk with an adjuster.
After the storm passes
Photograph from the ground
Dented gutters, vents, cars and patio furniture show the hail size. Note the date. See photos to take after roof storm damage.
Cover active leaks
If water is coming in, call for emergency roof repair so a tarp goes on before the next rain.
Get an inspection
A roofer checks each slope, marks hits and photographs them, then gives a written estimate.
Review your policy
Check your deductible and whether your roof is covered at actual cash value or replacement cost.
Keep records
Save the estimate, photos, adjuster notes and every letter from your insurer in one place.
What the insurance side looks like
Coverage depends on your policy and on the decision of your insurer, not on the roofer.
Your deductible is paid by you, and a roofer should never offer to waive it.
Policies differ on actual cash value and replacement cost, and that changes what you receive. See actual cash value vs. replacement cost.
GemSco inspects, documents the damage with photos and provides a written estimate you can share.
If a claim is denied or underpaid, you can ask the insurer to review it. Our page on roof insurance claims explains the process.
Help in McKinney
If the roof is too damaged to repair, our page on roof replacement in McKinney covers materials such as Class 4 shingles rated under UL 2218, which are built to resist impact better than standard ones.
GemSco is family owned, fully licensed and insured, and has 20+ years of storm work across DFW. We repair and replace shingle, metal, stone-coated, tile and flat roofs. Estimates are free. Read about our hail damage roof repair service or call (844) 980-5506.
Frequently Asked Questions
How long do I have to report hail damage?
Time limits are set by your policy and your insurer, so read your policy or ask your agent. Reporting soon after a storm is safer. In an area with storms most years, waiting can make it harder to show which storm caused which damage.
Will hail damage show up as a leak right away?
Often it does not. Bruised shingles lose granules and crack over time, and the leak may appear months later. That is why an inspection after a big storm is worth doing even when the ceiling looks fine.
What if the adjuster says there is no damage?
You can ask for a second look and share your own photos and a written estimate. Many owners use a roofer's report to support the request. The final decision on coverage still belongs to the insurer under your policy terms.
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