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Replacing a Roof in Murphy: Built for the Next Hailstorm

In Murphy, the question is often not whether a roof will see another big storm, but how well it will hold up when it does.

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Murphy's numbers and what they mean

In Murphy, 94% of homes are lived in by their owners, and half were built before 2005 (U.S. Census Bureau, American Community Survey 2020-2024). Most people here are making a roof decision for a house they plan to keep. That tilts the math toward materials that last and installs done right.

Hail drives the timeline. NOAA's Storm Prediction Center logged 131 hail reports within 10 miles of Murphy from 2015 through 2024, with 49 at 1.75 inches or larger. Hail that big fell in 7 of those 10 years: 2016, 2017, 2018, 2019, 2021, 2022 and 2023. A roof here may face several serious storms in its life, not one.

It also means the timing of a replacement often lines up with a storm. Many owners only start thinking about a new roof after an adjuster or roofer points out hail damage. Planning ahead, with a sense of how old your roof is and what material you would choose, makes that moment far less stressful.

Signs the roof is ready to go

Hail bruises and cracks across most of the roof, not just one slope.

Heavy granule loss showing in gutters and at downspouts.

Shingles curling, cracking or missing after wind.

Leaks in several places or repeated repairs.

A roof that is already near the end of its expected life. See how long roofing materials last in Texas.

Materials to compare

Standard asphalt shingles

The most common choice. GemSco is an elite contractor for Owens Corning and GAF.

Class 4 impact-resistant shingles

Rated under UL 2218 Class 4 for impact. They cost more, and some insurers treat them differently; ask your carrier.

Metal and stone-coated steel

Longer service life and a different look. Our article on asphalt shingles vs. metal roofing in Texas compares them.

Tile

Heavy and durable. The roof structure has to be able to carry it.

What replacement day looks like

1

Protect the property

Tarps go over landscaping and the driveway before tear-off starts.

2

Tear off to the deck

Old shingles and underlayment come off so the decking can be checked.

3

Replace damaged wood

Soft or broken decking is swapped out.

4

New underlayment, flashing and vents

These details decide whether the new roof stays dry. Our guide on why roof underlayment matters explains why.

5

Shingles and cleanup

Shingles go on, then the yard is swept for nails and debris.

Questions to settle before you sign

Ask every contractor the same things so the bids are comparable: which shingle line and color, whether the price includes new underlayment, flashing and vents, and how replaced decking will be counted. Our guide on how to compare roofing estimates after storm damage walks through it line by line.

Also ask how the crew protects the yard, where the dumpster goes, and who you call if something looks wrong after the job. Clear answers in writing are a better sign than a low number on its own.

Paying for it

If storm damage is involved, the claim depends on your policy and your insurance company. GemSco inspects, documents with photos and gives you a written estimate. Read about roof insurance claims for how that works. For any project, roof financing is available, and estimates are free.

Learn more about our roof replacement service or our work in Murphy.

Frequently Asked Questions

Are impact-resistant shingles worth it in Murphy?

Given how often large hail has fallen near Murphy, many owners consider them. They are rated under UL 2218 Class 4 and cost more than standard shingles. Some insurers treat impact-rated roofs differently. Ask your carrier before choosing so you can weigh the full picture.

Can I replace my roof before my insurance claim is decided?

You can, but it may affect the claim if the adjuster has not seen the damage yet. Our article on whether you can replace your roof before insurance approves covers the risks and what to document first.

How long does a roof replacement take?

It depends on the size of the roof, the material, weather and how much decking needs repair. A written estimate should explain the scope so you know what to expect. Our guide on how long a roof replacement takes in Texas goes deeper.

We’re Here to Help!

GemSco Roofing & Solar serves Houston, DFW, Austin, San Antonio and surrounding areas. We’re family owned and fully licensed and insured.

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