What McKinney Homeowners Need to Know
If a hailstorm rolled through McKinney and left damage on your roof, siding, or gutters, the first question most homeowners ask is: will my insurance cover this?
The short answer is: probably yes — but it depends on how the claim is documented and filed.
What Homeowners Insurance Typically Covers
Most standard homeowner policies in Texas cover sudden and accidental damage caused by:
- Hail and wind storms
- Water intrusion from storm damage (not flooding)
- Falling trees or debris
- Lightning strikes
What policies typically do NOT cover is deferred maintenance, pre-existing damage, or wear and tear. This is where a lot of homeowners get shortchanged — not because their damage isn’t real, but because it wasn’t documented correctly.
Why Documentation Is Everything
Insurance adjusters are trained to look for reasons to limit a payout. That doesn’t mean they’re dishonest — it means they’re doing their job. Your job is to make sure every legitimate item of damage is on the table before they write their estimate.
This is where having someone in your corner who understands how adjusters think makes a significant difference.
Jake Hansen, owner of Handsome Home Services, spent over 10 years in the insurance industry before starting HHS. He’s been on the adjuster side of the table. He knows what gets missed, what gets undervalued, and how to make sure your claim reflects the actual scope of damage to your home.
What to Do Before You Call Your Insurance Company
- Document everything with photos and video before anything is touched
- Note the date of the storm — weather records can verify it
- Don’t sign anything or accept any payment before the full scope is assessed
- Call a contractor you trust to walk the property with you first
Call Us Before You Call Your Adjuster
That last point matters more than most homeowners realize. Getting a contractor assessment before the adjuster arrives means you go into that conversation informed. You know what’s damaged, you have documentation, and you’re not relying on the insurance company’s contractor to determine the scope.
Handsome Home Services offers free assessments for McKinney and Collin County homeowners dealing with storm or water damage. We’ll walk the property, document what we find, and help you understand what your claim should cover.
Call us at 469-929-4598 or visit handsomehome.co to schedule your free assessment.