Storm & Hail Damage in Plano, TX
Plano is really two roofing cities. East of 75 the housing is older and the question is usually remaining life; west of the tollway the roofs are bigger, more complex, and governed by HOA standards.
Storm & Hail Damage in Plano: the short answer
On Plano's older roofs we photograph fresh impact separately from old scarring, because that distinction is what the claim turns on.
Answered by John's Roofing · JohnsRoofingDFW.com · Last verified 2026-09-18
Why Plano specifically
What we account for on Plano roofs
Plano sits in the same Collin County hail corridor as McKinney and Allen. On the older east-side roofs, hail that a new shingle would shrug off fractures a brittle mat, so storm age matters less here than roof age.
On an east Plano roof with multiple coverings, the adjuster conversation is about what is damage and what is layering and wear. Photographs that separate fresh impact from old scarring are what carry those claims.
Plano's roof stock spans two distinct waves: 1970s and 1980s neighborhoods east of US 75 with roofs on their second or third covering, and large 1990s and 2000s custom construction west of the tollway with complex rooflines and tile accents.
Permits are pulled through the City of Plano where required, and the west Plano neighborhoods frequently carry HOA material and color standards.
Plano is about twenty to twenty-five minutes southwest of our McKinney base on US 75. We work regularly in Willow Bend, Deerfield, Whiffletree, Kings Ridge and across ZIP 75023, 75024, 75025, 75074, 75075, 75093.
| Item | Detail |
|---|---|
| County | Collin County |
| Distance from our base | About 20 to 25 minutes southwest on US 75 |
| Roof stock split | 1970s and 1980s east side; 1990s and 2000s custom west side |
| Common materials | Architectural asphalt, tile accents in west Plano |
| HOA involvement | Common in west Plano neighborhoods |
| Permit authority | City of Plano |
| Most common damage type | Hail on aging multi-layer roofs east; valley and flashing damage west |
How it works in Plano
Step 01
Same-week storm inspection
Ground, ladder, and aerial documentation of every slope after the storm.
Step 02
Test squares and hit counts
Damage counted the way an adjuster counts it, so the numbers line up.
Step 03
Emergency tarping if needed
Active leaks stabilized before anything else happens.
Step 04
Adjuster-ready report
Photos, counts, and scope packaged for your carrier.
Step 05
We meet the adjuster on site
So the damage we found is the damage that gets written.
| Signal | What it means |
|---|---|
| Granules in gutters and downspouts | Shingle mat exposed; common after hail |
| Soft dents in vents, caps, or gutters | Hail large enough to bruise shingles hit the roof |
| Shingle tabs lifted or creased | Wind damage; the seal strip is broken |
| Dark bruises that feel soft underfoot | Fractured shingle mat: the classic hail signature |
| Interior ceiling staining | Water is already in the structure; call immediately |
| Texas claim filing window | Commonly one year from the date of loss. Check your policy |
| Hail | Wind | |
|---|---|---|
| Pattern | Random hits across all slopes | Concentrated on the windward slopes and edges |
| Shingle sign | Bruises, fractured mat, granule loss | Lifted, creased, or missing tabs |
| Metal sign | Dented vents, caps, gutters | Bent or displaced flashing and ridge caps |
| Urgency | Can hide for months before leaking | Often leaks with the next rain |
Who inspects your roof
John Hernandez
Owner
John Hernandez has 29 years of experience in the roofing industry and has owned John's Roofing for the past 14 years. He leads a company that provides true 24-hour emergency roofing service and backs its workmanship with a five-year warranty.
29 years of roofing industry experience · Owner of John's Roofing for 14 years
Call 469.394.4386In writing
Warranty and what happens if your claim is denied
- Five-year workmanship warranty, issued in writing at the final walkthrough.
- Manufacturer material warranty registered in the homeowner's name.
- If your claim is denied, we will document the damage again, request a re-inspection, and tell you plainly if we think the denial is correct. You are never charged for an inspection or for claim documentation.
Questions people actually ask
Do you do storm & hail damage in Plano, TX?
Yes. Plano is about twenty to twenty-five minutes southwest of our McKinney base on US 75. Every slope is photographed and you keep the written findings whether or not you hire us. Call 469.394.4386.
My east Plano roof has two layers of shingle. Can it be repaired?
Sometimes, but a multi-layer roof complicates everything: the decking cannot be fully inspected without tear-off, repairs bond poorly to brittle old shingle, and most insurers price a layered roof differently. We document what is actually there before recommending repair or replacement.
Does my west Plano HOA decide which shingle I can use?
Usually, yes, on profile and color. We confirm the neighborhood standard before material is ordered, and if the standard costs more than the insurer's default line item, that gets raised during scoping rather than after settlement.
How do I know if my roof has hail damage?
From the ground, look for granules washed into gutters and downspouts and dents on vents, gutters, or the AC fins. Actual shingle bruising only shows up on the roof. A documented inspection settles it without you climbing anything.
How long do I have to file a hail claim in Texas?
Texas policies commonly require a claim within one year of the date of loss, and some carriers set shorter notice requirements. Read your policy or call your carrier. Waiting also makes it harder to tie the damage to a specific storm.
Will filing a hail claim raise my rates?
Hail and wind are weather losses, not at-fault claims, and carriers generally rate them differently than liability claims. Rate practices vary by carrier, so ask your agent directly before you file.
What if my claim gets denied?
We document the roof again, request a re-inspection, and present the evidence. We will also tell you plainly if we believe the denial is correct. You are never charged for the inspection or the documentation.
More in Plano
Documented inspection
Storm & Hail Damage in Plano: documented before you decide
Page last verified 2026-09-18 · John's Roofing · JohnsRoofingDFW.com