Roofing companies in McKinney

Triple-I's ranking of major hail events put Texas first in 2025, with 902; NOAA logged 5,432 hail reports of all sizes nationwide that year. After a storm, the rules that matter most are about money:

• You pay the deductible. A contractor paid from an insurance claim who waives, absorbs, rebates or credits it without the insurer's consent commits a Class B misdemeanor, with up to a $2,000 fine and six months in jail. Report offers to the Attorney General's hotline at 800-621-0508.
• Read the notice. A contract of $1,000 or more expected to be paid from a claim must say, in at least 12-point bold type, that you must pay the deductible.
• Expect two checks. With replacement cost coverage, the insurer pays part first and the rest after repairs start, and it can hold back depreciation until you show proof the deductible was paid.

TDI also notes that insurers don't pay for a roof just because it's old, and Triple-I reports that State Farm named Texas its top state for hail claims in 2025. Document storm damage with dated photos before anyone climbs up. TDI advises at least three bids on letterhead, no contract with blanks, and no contract that hands the roofer "the value of insurance proceeds".

HomeGuide puts a typical Texas roof replacement at $5,600 to $15,800, against $5,700 to $16,000 nationally, or $3 to $6 per square foot installed. Nationally (HomeGuide, February 2026), minor repairs run $150 to $1,000 and moderate ones $1,000 to $3,000, with call-out minimums of $150 to $300. If you are replacing anyway, ask about shingles tested to UL 2218: Class 4 earns the highest insurance credit, but each insurer sets its own discount and paperwork, so call yours before choosing. TDI notes insurers sometimes discount newer roofs too. More on costs is in our Texas roofing guide.

The Legislature's 2025 analysis of HB 3344 says Texas does not require a state license for reroofing contractors, and that bill stalled in May 2025. The Roofing Contractors Association of Texas runs a voluntary "Licensed Roofing Contractor" program for roofers who pass its exams; ask whether the company holds it. Ask the roofer whether the City of McKinney requires a permit for the job, get the number, and check it with the city.

After a declared disaster, an out-of-area remediation contractor may not require payment before work starts, and partial payments must match work done. Clear overhanging limbs first with our McKinney tree service list, compare Frisco roofers for a second bid, and see the McKinney hub for local permits.