Hail & Storm Damage Roof Repair in McKinney, TX

★★★★★ Rated 5 stars across 185+ reviews

Storm hit your neighborhood? Roofing OnTop & Construction inspects your roof for hail and wind damage, tells you straight whether you have a claim, and guides you through the insurance process from first inspection to final nail. Free, no-pressure inspections for McKinney and North Texas homeowners.

Call or text 469-617-7701 Book a free roof inspection

★★★★★   20+ years in North Texas  ·  Owens Corning Preferred Contractor  ·  Insurance claim specialists  ·  Locally owned, McKinney based

Do you have hail or storm damage?

Often, yes — and you may not see it from the ground. McKinney and Collin County sit in the most active hail corridor in the country, with several damaging hail and wind events every year. Hail bruises knock the protective granules off your shingles and shorten a roof’s life long before it starts leaking, so damage is easy to miss until it becomes an interior problem.

Signs worth a closer look: dark or shiny spots on shingles, granules collecting in gutters and downspouts, dented gutters, gutter caps, or vents, cracked or torn shingles after a windstorm, and damage to nearby fences or window screens. If a storm dropped hail in your area, the safest move is a professional inspection — it is free, and it starts the clock on any insurance claim.

Does homeowners insurance cover roof hail damage in Texas?

In most cases, yes. Standard Texas homeowners policies cover sudden storm damage from hail and wind, subject to your deductible and policy terms. What matters is documenting the damage correctly and filing before your claim window closes. This is where most homeowners get stuck — and where we help most.

We are insurance claim specialists. We inspect and document the damage, meet your adjuster on-site so nothing gets missed, and handle the roofing side of the claim so you are not negotiating it alone. You pay your deductible; we work directly with your approved scope. We never ask you to commit to a replacement before you know whether you have a claim.

What does roof repair or replacement cost in McKinney?

A full roof replacement in the McKinney area typically runs $9,000 to $16,000 for architectural shingles, depending on the size and pitch of your roof. Class 4 impact-resistant shingles — increasingly the standard in hail country and often eligible for an insurance premium discount — run roughly $1,500 to $3,000 more and are worth discussing. When the damage is storm-related and covered, your out-of-pocket cost is usually just your deductible. Financing is available for repairs and upgrades that fall outside a claim.

How our storm-damage process works

1Free inspection. We climb the roof, document every area of damage with photos, and tell you honestly whether you have a claim — no scare tactics.

2Claim guidance. If you have a claim, we help you file it and meet your insurance adjuster on-site so the full scope of damage is captured.

3Clear scope and schedule. You get a written scope, materials and color choices, and a start date. No surprises.

4Professional installation. Our crews replace or repair your roof to manufacturer spec, protect your property, and clean up completely — including a magnetic nail sweep.

5Final walkthrough. We confirm the work, handle warranty paperwork, and make sure your claim is closed out correctly.

Frequently asked questions

How soon after a storm should I get my roof inspected?
As soon as it is safe. Insurance claims have filing deadlines (often within a year of the date of loss, but sometimes shorter), and getting documented early makes the claim smoother. A free inspection costs you nothing and gives you a clear answer.

Will filing a hail claim raise my rates?
Hail and wind are “acts of nature,” not driver-fault claims, and Texas insurers generally cannot single you out for a rate increase for a weather-related claim. Rates can move region-wide after major storms regardless of whether you file.

What if my claim is denied or underpaid?
It happens, and it is often fixable. We can re-inspect, document what was missed, and request a re-inspection from your carrier with the adjuster. Our job is to make sure the full, legitimate scope of storm damage is captured.

Do you only replace roofs, or do repairs too?
Both. Not every storm means a full replacement. If a targeted repair is the right call, we will tell you — and we also handle the gutters, fencing, and exterior damage that storms often bring along.

What areas do you serve?
McKinney and the surrounding North Texas communities, including Allen, Frisco, Plano, Prosper, Melissa, and the greater Collin County area.

Roofing OnTop & Construction · 207 E Virginia St, Suite 212, McKinney, TX 75069 · Serving McKinney and North Texas.