Replacing a Roof in McKinney: When the Hail Adds Up
A roof in McKinney often wears out from storms long before it wears out from age. This guide helps you tell when it is time.
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Signs it may be time for a new roof
Hail bruises on three or more slopes after one storm season.
Shingles that crack or crumble when lifted gently.
Bare patches where granules are gone.
Soft spots in the decking, felt when walking or seen from the attic.
Repairs on the same roof in more than one recent year.
What McKinney's numbers say about replacement
NOAA's Storm Prediction Center logged 59 hail reports of 1.75 inches or larger within 10 miles of McKinney from 2015 through 2024. Stones that size can fracture a standard shingle. Large hail hit the area in 7 of those 10 years, so many roofs have taken more than one round.
Half of the homes in McKinney were built before 2007 (U.S. Census Bureau, American Community Survey 2020-2024). A first roof from that time has had about 19 years of Texas sun. Put the two together and many owners face a choice: keep patching storm damage on an aging roof, or replace it once and start fresh. Our guide on roof repair vs. replacement covers that trade-off.
About 64% of homes in McKinney are owner occupied. If you plan to stay, the roof you choose now is one you will live under for a long time.
Material choices for a hail-heavy area
Impact-rated shingles
Shingles tested under UL 2218 and rated Class 4 are built to resist hail better than standard ones. Ask your insurer how it treats them.
Metal and stone-coated
Both handle hail and wind well, though metal can dent. Compare the look and cost with shingles before choosing.
Architectural shingles
The most common upgrade from older three-tab roofs, with more texture and better wind ratings.
Planning the project
Inspection and photos
Start with a full look at the roof and attic so the scope is based on facts.
Written estimate
It should name the material, the underlayment, flashing and vents. See what to include in a roof replacement estimate.
Choose color and product
Pick with the whole house in view, not a small sample alone.
Tear-off and install
Old layers come off, the deck is checked and repaired, and the new system goes on.
Final walk
Check the yard, gutters and attic with the crew before they leave.
What a replacement includes beyond shingles
A new roof is a system. Underlayment sits under the shingles and is the last line against wind-driven rain; our article on why roof underlayment matters explains its role. Flashing at walls and chimneys should be replaced, not reused, when it is bent or rusted. Ridge and soffit vents keep the attic from trapping heat that shortens shingle life.
Ask how damaged decking will be handled. Boards that are soft or delaminated need to come out before the new roof goes on, and the estimate should say how that is priced.
Working with GemSco
GemSco is family owned and an elite contractor for Owens Corning and GAF, with 20+ years of experience. Estimates are free, roof financing is available, and we offer discounts for military, first responders and seniors. Learn more about our roof replacement service or our work across McKinney.
Frequently Asked Questions
Is a Class 4 roof worth it in McKinney?
With large hail reported in 7 of the last 10 years near McKinney, many owners consider it. Class 4 shingles resist impact better under UL 2218 testing, but they are not hail-proof. Some insurers adjust premiums for them and some do not, so ask your agent before you decide.
Can I replace my roof before my claim is settled?
You can, but it can complicate the claim if the adjuster has not seen the damage. Most owners wait for the inspection by the insurer, or at least keep detailed photos. If water is getting in, a temporary cover protects the house while the claim moves forward.
How do I compare two replacement bids?
Line them up item by item: shingle brand and line, underlayment, flashing, vents, decking repair and cleanup. A low price often leaves something out. Ask each roofer to explain any line you do not understand before you sign.
Does financing affect the materials I can choose?
No. Financing is available with GemSco and you still pick the roof you want. The amount you finance depends on the scope of the job and the material. Read the terms carefully and ask questions before you sign anything.
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