Hail Damage in Murphy: What to Check and What to Do
Few places in the metroplex see large hail as often as the area around Murphy. Here is how to read the damage and move through the next steps calmly.
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Murphy's hail record at a glance
131 hail reports within 10 miles of Murphy from 2015 through 2024 (NOAA's Storm Prediction Center).
49 of those reports were 1.75 inches or larger, about golf ball size and up.
The largest was 5.25 inches on April 11, 2016.
Hail of 1.75 inches or more fell in 7 of the 10 years: 2016, 2017, 2018, 2019, 2021, 2022 and 2023.
Murphy sits entirely in Collin County, so storm reports for the city are filed under that county.
Why repeated storms matter
With large hail landing in most years, a roof in Murphy can take damage, get through a season, and then take more. Old and new hits pile up. That makes it important to document each storm separately, with dated photos, so it is clear what happened when.
It also means a roof that looks fine from the street may not be. Bruised shingles lose granules over time, and cracks open further with each heat cycle. Our guide on how to identify hail damage on asphalt shingles shows what to look for.
Hail also hits more than the shingles. Ridge caps, roof vents, skylight frames, gutters and even the paint on fascia can show damage. A complete inspection records all of it, because a claim or repair that only looks at one part of the house often leaves damage behind that turns into a leak later.
After the storm passes
Walk the property
Check gutters, downspouts, window screens, fences and cars for dents. These clues show how big the hail was.
Photograph everything
Dated photos of the yard, hail stones and damage help later. See photos to take after roof storm damage.
Cover any leak
If water is getting in, a temporary fix protects the inside. Emergency roof repair handles that.
Book an inspection
GemSco inspects the roof, documents the damage with photos and gives a written estimate.
Talk to your insurer
Report it within your policy's time limit and check your deductible.
Insurance facts worth knowing
Coverage is policy-specific
Whether damage is covered depends on your policy and your insurance company. No contractor can promise an approval.
Deductibles vary
Some policies use a percentage deductible for wind and hail. Our article on how a roof insurance deductible works explains it.
ACV vs. replacement cost
How your policy values the roof affects what you receive. See actual cash value vs. replacement cost.
Denials can be reviewed
If a claim is denied, there are steps to take. Read what to do if your roof insurance claim is denied.
How GemSco helps
GemSco is family owned, fully licensed and insured, with 20+ years of experience and elite contractor status with Owens Corning and GAF. We inspect, document and give a written estimate. Read more about our hail damage roof repair service, our roof insurance claims page, or our work in Murphy.
If the inspection shows the roof can be repaired, we will say so. If damage is spread across the whole roof, see roof replacement in Murphy for what a full replacement involves and which materials hold up better in hail.
Frequently Asked Questions
My roof was replaced after an earlier storm. Can it be damaged again?
Yes. A new roof is not hail-proof, and standard shingles can be bruised or cracked by large stones. In an area where big hail has fallen in most recent years, it is worth having the roof checked after each serious storm, even if it is fairly new.
How do I tell old hail damage from new?
Fresh hits often show bright, clean spots where granules just came off. Older damage tends to look weathered and darker. Dated photos after each storm make the difference much easier to show, which is useful if you talk to your insurance company.
Should I let a door-to-door roofer inspect my roof?
Take your time. Check the company's license, insurance and local track record, and get written estimates. Our article on what to know before signing a roofing contract after a storm lists questions to ask first.
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