After hail or high wind hits Prosper, 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.
We document storm damage in Prosper with photos and measurements, provide written estimates, 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. And we never offer to waive deductibles; that practice is illegal in Texas.
Roofing in Prosper, specifically
Much of Prosper’s housing stock is new enough that its original builder-grade roofs are only now meeting their first serious hail cycles, and first storms on builder-spec shingles are where a lot of Collin County owners discover what was actually installed over their heads. The local conversations that follow are predictable and worth having early: what the builder’s workmanship coverage does and doesn’t survive, whether the first insurance claim is the moment to upgrade to Class 4 impact-rated shingles (usually yes; the premium discount math works hardest here), and how HOA architectural standards shape material choices in newer communities.
The same crews cover Plano, Frisco and McKinney, which keeps Prosper scheduling flexible when storm weeks compress everyone’s calendar.
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.
The honest before
Aging shingles that earned a replacement.
Tear-off in progress
Old shingles coming off and the decking checked as each section opens.
Deck to dry-in
Fresh decking checked and papered in before shingles.
PUBLIC RECORD
The hail and housing record in Prosper
Before you plan storm & hail damage in Prosper, it helps to know what the public record says about local hail and the age of the homes.
34
Hail days, 1 in.+ since 2006
10
Golf-ball-size hail days
3 in.
Largest stone on record
2014
Median year homes built
Hail near Prosper
NOAA's Storm Events Database lists 34 days since 2006 with hail one inch or larger reported within 6 miles of Prosper. On 10 of those days, the stones were golf ball size or bigger. Hail that size was reported in 13 of the last 20 years. The largest stones on record nearby measured 3 inches (teacup size) on April 6, 2018. The most recent report: 1.25-inch hail on September 5, 2025.
April 6, 2018: 3-inch hail (teacup size)
April 21, 2017: 2.75-inch hail (baseball size)
April 10, 2011: 2.75-inch hail (baseball size)
June 6, 2012: 2-inch hail (hen egg size)
May 24, 2011: 2-inch hail (hen egg size)
How old Prosper homes are
Prosper is young by roofing standards: the median home was built in 2014, and 72% of its 11,921 housing units date to 2010 or later. Many of those homes still have the roof the builder installed, now working through its first hail seasons.
Sources: NOAA National Centers for Environmental Information, Storm Events Database (hail reports since 2006 within 6 miles of Prosper); 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 Prosper
How do I know if my roof in Prosper 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 Prosper?
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 Prosper?
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 Prosper?
NOAA's Storm Events Database lists 34 days since 2006 with hail one inch or larger reported within 6 miles of Prosper, including 10 days with golf ball size stones or bigger. Hail that size was reported in 13 of the last 20 years. The most recent report was 1.25-inch hail on September 5, 2025.
How old are most homes in Prosper?
The median home in Prosper was built in 2014, according to the U.S. Census Bureau's American Community Survey. 1% of the city's housing units predate 1980 and 72% were built in 2010 or later. Many homes here still have their original builder-installed roof.
