John 3:16

“I believe the unbelievable, I receive the impossible, because it’s doable.” — Jesse Duplantis

Frisco, Texas

Roofing company in Frisco The first replacement.

Frisco's builder roofs from the boom years are wearing out, and how your policy pays for an older roof matters. Call any time and you will be put through to a local, owner-run roofing company.

Call (469) 649-7066

Frisco's first big wave of roof replacements

Frisco grew faster than almost anywhere in the country through the 2000s and 2010s, and most of those houses went up with builder-grade shingles. Fifteen to twenty years of North Texas sun and hail is about what those roofs get, so neighborhoods that were brand new not long ago are now replacing roofs street by street. For many Frisco owners, this is the first roof they have ever had to buy.

Frisco's building permit rules list re-roofing among the repairs that need a permit, and most neighborhoods also have an HOA that approves shingle color and style, usually from a product sheet, a color sample and a photo of the house. The order matters: get the HOA approval first, then the permit, then the roof.

Check how your policy pays for an older roof

Before hail hits, pull out your homeowners policy and look at the declarations page for how roof damage is paid. Many Texas policies now pay roof claims on an actual cash value basis, not replacement cost, especially once a roof passes a certain age. Actual cash value means the payout is reduced for depreciation: a fifteen-year-old roof might be paid at a fraction of what a new one costs, and your deductible comes off the top of that.

That changes the math on a first replacement. Some Frisco owners choose to replace an aging roof before the next storm, with Class 4 impact-resistant shingles that many insurers discount, rather than wait for a claim that will pay little. Your agent can tell you exactly what your policy does; it is worth the call.

Hail on asphalt shingles after a Collin County storm
What your policy pays for hail damage depends on the roof's age and how the policy is written.

Choosing a Frisco roofing company

Crew replacing shingles on a newer suburban house
Many Frisco neighborhoods are replacing their original builder roofs now.

See roof replacement and the hail claim checklist.

Common questions

Do I need a permit to replace my roof in Frisco?

Yes. Frisco's building permit rules include re-roofing among the repairs that need a permit. Your roofer should pull it after your HOA approves the shingle.

What is actual cash value roof coverage?

A policy that pays for roof damage after subtracting depreciation. On an older roof the payout can be far less than a new roof costs. Check your declarations page or ask your agent.

Are Class 4 shingles worth it in Frisco?

They resist hail better and many insurers offer a discount for them. Whether they pay back depends on your policy and how long you will stay.

Can my HOA stop me from using impact-resistant shingles?

No. Texas Property Code section 202.011 bars an HOA from prohibiting them as long as they resemble the approved shingles.

Which areas do you take calls from?

All of Frisco, in both Collin and Denton counties, including Starwood, Stonebriar, Phillips Creek Ranch, Richwoods and the neighborhoods along the Tollway, Highway 121 and US-380, plus Little Elm and Prosper.

Call a local roofer in Frisco

The line is answered around the clock. You will be put through to a local, owner-run roofing company that works in Frisco.

Call (469) 649-7066
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