After hail or high wind hits McKinney, the right order of operations protects both your roof and your insurance claim: document first, stop active leaks with proper tarping, get a written professional inspection, and only then make claim decisions.
STORM TRIAGE
What do you need help with right now?
Pick the door that matches your situation. It routes you to the right person on the team, and every path starts with a free, documented look at the roof.
Texas law requires homeowners to pay their insurance deductible.
Cedar Crest does not waive or absorb deductibles. If anyone offers to, walk away.
It puts your claim at risk and may be illegal. We document damage, provide estimates,
and meet your adjuster on-site to answer construction questions. We are not a public
adjuster and do not interpret your policy or negotiate claim value.
After a storm in McKinney, we document the damage with photos and measurements, provide a written estimate at no cost, and meet your adjuster on-site to answer construction questions. We are not a public adjuster: we do not interpret your policy or negotiate claim value. Texas law draws that line and we respect it. We also never offer to waive deductibles, because that practice is illegal in Texas.
McKinney’s Hail Record and Your Claim
Hail is not occasional here. In 16 of the last 20 years, hail an inch or larger fell within 8 miles of McKinney, for a total of 39 days since 2006, and 18 of those days brought golf-ball-size or larger stones. The largest was 4.5 inches on March 24, 2019. That frequency is why dated photo documentation matters: it helps your adjuster separate damage from this storm from wear left by an earlier one.
With a median build year of 2007, many Collin County homes here are facing a first insurance claim on their original roof, and that claim is a sensible time to ask whether Class 4 impact-rated shingles fit your home. We walk through what the photos show, what the adjuster will likely look at, and which repairs are construction questions we can answer. Our storm crews also cover Lucas and Allen.
FROM OUR CREWS
The crews you'd actually get.
Real Cedar Crest crews on DFW roofs. Every project photo below is from our own jobs.
Documented, not guessed
Damage marked and photographed before the estimate.
Closed up and cleaned
A finished architectural asphalt system with the site cleared.
Clean handoff
Shingles down, debris gone, warranty in writing.
PUBLIC RECORD
The hail and housing record in McKinney
Before you plan storm & hail damage in McKinney, it helps to know what the public record says about local hail and the age of the homes.
39
Hail days, 1 in.+ since 2006
18
Golf-ball-size hail days
4.5 in.
Largest stone on record
2007
Median year homes built
Hail near McKinney
NOAA's Storm Events Database lists 39 days since 2006 with hail one inch or larger reported within 8 miles of McKinney. On 18 of those days, the stones were golf ball size or bigger. Hail that size was reported in 16 of the last 20 years. The largest stones on record nearby measured 4.5 inches (softball size) on March 24, 2019. The most recent report: 1-inch hail on March 29, 2025.
March 24, 2019: 4.5-inch hail (softball size)
May 28, 2024: 2.75-inch hail (baseball size)
April 21, 2017: 2.75-inch hail (baseball size)
May 19, 2023: 2.5-inch hail (tennis ball size)
June 15, 2023: 2-inch hail (hen egg size)
How old McKinney homes are
The median home in McKinney was built in 2007. A large share of the city's 77,617 housing units are now old enough that original roofs are coming due, while 40% were built in 2010 or later.
Sources: NOAA National Centers for Environmental Information, Storm Events Database (hail reports since 2006 within 8 miles of McKinney); U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates. Data pulled September 2026.
We don't waive deductibles; nobody legally can. Texas law requires
homeowners to pay their insurance deductible (Tex. Ins. Code ch. 707). If a roofer offers
to "cover" or "absorb" yours, walk away. It puts your claim at risk and may be a felony
for the contractor.
We document damage, provide repair and replacement estimates, and meet your
adjuster on-site to answer construction questions. We are not a public adjuster
and do not interpret your insurance policy or negotiate claim value on your behalf.
Common questions about storm & hail damage in McKinney
How do I know if my roof in McKinney has hail damage?
Ground-level clues include dented gutters and vents, but the damage that matters (shingle bruising and granule displacement) needs an on-roof inspection. Ours are free and documented with photos.
Should I file an insurance claim after every storm in McKinney?
No. File when documented damage justifies it. An inspection first protects you both ways: real damage gets properly documented, and a healthy roof avoids an unnecessary claim on your record.
A door-knocker offered to cover my deductible. Is that legit?
No. Texas law requires homeowners to pay their deductible, and contractors offering to waive or absorb it are breaking the law and putting your claim at risk. Walk away.
Will this work void our builder's warranty in McKinney?
Properly documented work doesn't, and our written findings and scopes are built to keep your builder-warranty file intact. What actually endangers coverage is undocumented storm patching, which we don't do.
How often does hail hit McKinney?
NOAA's Storm Events Database lists 39 days since 2006 with hail one inch or larger reported within 8 miles of McKinney, including 18 days with golf ball size stones or bigger. Hail that size was reported in 16 of the last 20 years. The most recent report was 1-inch hail on March 29, 2025.
How old are most homes in McKinney?
The median home in McKinney was built in 2007, according to the U.S. Census Bureau's American Community Survey. 8% of the city's housing units predate 1980 and 40% were built in 2010 or later. Many homes here still have their original builder-installed roof.
