McKinney Insurance Appraiser & Umpire — Hail, Wind & Storm Claims
Our Texas insurance appraisal work includes hail damage insurance appraisal, wind damage insurance appraisal, and tornado damage insurance appraisal.
The appraisers can hire an insurance umpire to resolve remaining panel disagreements.
Professional insurance appraisal services for McKinney, Collin County, and Allen, Fairview, Princeton.
Marshall Services provides independent insurance appraisal and ADR umpire services in McKinney, Texas, the Collin County seat, about 17 miles north of the Wylie office. On April 11, 2016, the Storm Prediction Center logged half-dollar-size hail (1.25 inches) in south McKinney. On April 3, 2014, NOAA storm reports include quarter-size hail in the New Hope neighborhood and two-inch hail near Lake Forest Drive and US 380; the episode says the hail fell mainly along and north of US 380. The softball-size hail and the damage total near $5 billion in that episode were reported for Denton, not McKinney, and the EF-0 noted in Collin County that day is not placed in McKinney. The EF-3 tornado north of Celina on May 27, 2024 is a Collin County event in the NOAA record and is not a McKinney city report. Downtown McKinney still has older wood-frame and masonry buildings around the historic square; Stonebridge Ranch, Craig Ranch, and the growth north of US 380 are much newer, with architectural shingles on the new houses and three-tab shingles still on some unrepaired older ones. Our IAUA CPAU-certified appraiser works independently as party appraiser or neutral umpire, prices to Collin County costs, and uses FAA Part 107 drone inspections. The appraisal clause resolves undervalued claims in 90–120 days for $1,000–$5,000. Public adjusting under Marshall Smith's Texas Department of Insurance license (1642160) is limited to Texas, and he does not act as the policyholder's public adjuster on a McKinney claim where he is the appointed party appraiser or the umpire.
Frequently Asked Questions
Has McKinney had documented large hail?
Yes. On April 11, 2016, the Storm Prediction Center logged half-dollar-size hail, 1.25 inches, in south McKinney. On April 3, 2014, NOAA storm reports include quarter-size hail in the New Hope neighborhood and two-inch hail near Lake Forest Drive and US 380. The softball-size hail and the largest damage totals that day were reported in Denton County, not in McKinney.
Are downtown McKinney roofs the same as the newer subdivisions?
No. The historic square still has older wood-frame and masonry buildings, while Stonebridge Ranch, Craig Ranch, and the growth north of US 380 are much newer. A single citywide price for a McKinney roof misses that mix.
Did the tornado north of Celina hit McKinney?
NOAA describes an EF-3 tornado on May 27, 2024 north of Celina, in Collin County, separate from hail that crossed a wider part of the Metroplex. That track is not a McKinney city report, and this page does not treat it as one.
How far is McKinney from Wylie, and which county is the claim in?
McKinney is the Collin County seat, about 17 miles north of Wylie. An appraisal file here is a Collin County loss, priced to local repair costs rather than a generic statewide list.
What determines the cost of having an appraiser handle my claim?
Cost depends on the assignment rather than a fixed rate. Each side pays for its own appraiser, and when a neutral umpire is needed the two sides share the umpire's fee. What we quote reflects the property's size and type, the number of structures, how complex the loss is, and travel. A fee is quoted before any work begins.
Does an appraisal award bind both the policyholder and the carrier?
Under a typical appraisal clause, yes. An award signed by any two of the three participants — the two appraisers and the umpire — is binding on the amount of loss. The carrier then applies the policy's deductible and other terms to that amount. Appraisal settles the amount of loss; it does not decide whether the policy covers the damage.
How long does the appraisal process usually take?
It usually runs in weeks to a few months, though timing varies with scheduling and the size and complexity of the loss. Once appraisal is invoked, the carrier names its appraiser, the two appraisers inspect the property and exchange positions, and a neutral umpire is brought in only if they cannot agree. That is generally faster than the years a lawsuit can take.
When is it worth invoking the appraisal clause?
Appraisal is generally worth considering when coverage has been accepted, the remaining dispute is about the amount of loss, the gap is meaningful, and ordinary negotiation has stalled. It does not resolve a denial of coverage, because appraisal determines valuation rather than whether damage is covered. If your policy contains an appraisal clause, that clause governs whether appraisal is available and how it must be invoked.