McKinney roofing company for the city hail keeps finding

The number behind McKinney's hail reputation

34,134. That is how many hail claims McKinney recorded from 2017 to 2019. The figure comes from the National Insurance Crime Bureau, as reported by CollisionWeek.

The count includes all policy types, not only roofs. Still, it explains why McKinney roofers talk about hail first.

Collin County's reputation as a hail magnet rests largely on those years. National Weather Service data shows 42 large-hail reports in the county in 2017 alone.

What the last six years looked like

The pattern since then is uneven. Here are Collin County's preliminary reports of hail 1 inch or larger, by year:

• 2021: 20 reports
• 2022: 23 reports
• 2023: 37 reports
• 2024: 26 reports
• 2025: 30 reports
• 2026, through September 27: 4 reports

A recent date that names McKinney is March 26, 2025. North Texas logged 22 reports that day, and McKinney was named with Allen and Plano.

A quiet 2026 does not mean the risk is gone. The county went from 3 reports in 2020 to 20 the next year.

McKinney's roofs are reaching a turning point

McKinney has 210,600 residents and a median home value of $471,800. Owners live in 63.8% of homes. The median home was built in 2007, per Census ACS 2020-2024 figures.

A 2007 house is 19 years old. Given the hail record above, many original roofs here have likely been replaced once already. Others are original and near the age where insurers look harder.

That age matters. Roofs about 15 to 20 years old may be limited to actual cash value on some policies. It is worth asking your agent where your roof stands.

How we inspect after a storm

We photograph every slope, plus flashing, vents, pipe boots, ridge caps and any soft decking. We add measurements. Then we walk you through what the photos show.

Sometimes the answer is no damage. Sometimes it is a small roof repair. We only quote a roof replacement when the photos support it.

If your insurer is involved, the roles stay clear. You file the claim, and your insurer decides coverage and the amount. We give you a written, itemized estimate you can share with your insurer.

No payment is due until materials are delivered and work begins. Our hail and storm damage page lists the steps in order.

The 2% question for McKinney owners

Many North Texas policies now carry a 2% wind and hail deductible. On a $471,800 dwelling limit, that is $9,436. Your declarations page shows your actual figure.

Texas law requires you to pay your deductible. We give you an invoice and receipt showing it was paid.

With numbers like that, some owners choose a tougher roof next time. Class 4 impact-resistant shingles hold the highest impact rating. Each insurer sets its own discount, so call your agent before you choose.

McKinney permits: what we have verified

McKinney does not require general contractors to register with the city. That comes from the city's own contractor registration page.

We have not verified McKinney's rule for residential re-roof permits. We will not guess. We confirm the requirement with the city before work starts.

If a permit is required for your job, we pull it. You do not need to visit the permit office.

Fence rules in McKinney

Hail and wind often damage fences in the same storm. We build and repair wood and iron fences as well as roofs.

McKinney's fence rules are clear on the city site:

• A new fence needs a permit, listed at $30.
• So does a change in height, location or material.
• A like-for-like repair is exempt.
• Backyard fences can be up to 8 feet 6 inches tall.
• Front-yard fences are limited to 48 inches and must be 50% open.

See our fence page for styles and published price ranges.

Christmas lights

From October to January, we install Christmas lights on McKinney homes. It is plug-in installation using your existing outdoor outlets. Takedown and storage are included.

Parts of McKinney we serve

We serve all of McKinney, including Stonebridge Ranch, Craig Ranch, Eldorado and Tucker Hill. We serve neighboring Allen, Frisco and Prosper as well.

McKinney belongs to our Collin County and North Dallas service area. Palomino Roofing & Exteriors is led by its owner, Victor. Book an inspection to get photos of your roof.