What to Do in the First 48 Hours
Frisco is no stranger to hail. When a significant storm rolls through Collin County, it can affect hundreds of homes in a single afternoon. What you do in the 48 hours after impact has more influence on your insurance payout than almost anything else in the claims process.
Hour 1–6: Document Before Anything Else
Before you call your insurance company, before you call a contractor, before you touch anything — document. Walk your property and capture video of every affected surface: roof, siding, windows, gutters, HVAC equipment, vehicles, outbuildings. The more detailed and time-stamped your initial documentation, the stronger your claim position.
Pay particular attention to:
- Dents and dings in gutters and downspouts (these prove hail size and force)
- Window screens and exterior trim (high-visibility evidence adjusters can verify easily)
- Any areas where hail has breached the roof surface or flashing
- Interior areas near skylights, chimneys, or older penetrations
Hour 6–24: Call a Restoration Contractor Before Your Insurer
This is the step most homeowners skip — and it’s the most costly mistake they make.
When you call your insurance company first, you’re starting a clock. An adjuster will be assigned and a visit scheduled. If you don’t have a contractor’s independent documentation before that visit, you’re relying entirely on the adjuster’s assessment to define your claim.
Calling a restoration contractor first means you’ll have an independent damage assessment and documentation package ready when the adjuster arrives. That documentation doesn’t argue with the adjuster — it informs them. It also gives you a baseline to compare against their scope.
Hour 24–48: File Your Claim With Documentation in Hand
Now call your insurer. File the claim. Request that your chosen contractor be present at the adjuster visit. You are entitled to have representation present, and an experienced restoration contractor knows how to walk a property with an adjuster in a way that ensures nothing gets missed.
Frisco homeowners: storm season arrives every year. The difference between a full claim and an underpaid one is almost always documentation and representation — not the damage itself.
Ready to make sure your claim is handled right?
 Legacy Home Pro handles damage documentation, thorough scope review, and full renovation — so you don’t leave money on the table. Call or text Edward Carel at Legacy Home Pro in McKinney, TX, or visit legacyhomepro.com for a free damage assessment.
Request a Risk-Free Assessment with Legacy Home Pro
Call or text Edward Carel at Legacy Home Pro in McKinney, TX, or visit legacyhomepro.com for a free damage assessment.
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