Why Plano claims end up in appraisal
Collin County is a national hail hot spot, and Plano's storm history includes the March 2016 event that produced baseball-sized hail across Wylie and east Plano and repeated spring events since. Carriers know the frequency and respond by depreciating roofs steeply and approving partial scopes. Plano's homeowners associations complicate the partial-scope approach: many require uniform roofing appearance and specific shingle classes, which makes a two-slope replacement unacceptable and pushes the dispute to appraisal. The February 2021 freeze added burst-pipe claims across the city's two-story housing where upstairs failures damaged every floor below.
Plano housing stock and the scope fights it creates
West Plano's 1970s and 1980s homes near Willow Bend and Prestonwood carry roofs on their second or third covering, often with original decking and skylights, and brittleness on older three-tab and early laminate shingles makes repairs impractical. East Plano's 1990s subdivisions carry laminated shingles in colors long since discontinued; matching is the argument. Plano's newer Legacy-area townhomes and the condo communities along the Tollway raise unit-owner versus association responsibility questions that appraisal handles once the covered party is clear.
Plano's commercial inventory, the Legacy corporate campuses, retail along Preston and Park, and the large church properties, carries low-slope roofs and rooftop HVAC that hail damages in ways only a roof-level inspection reveals.
Umpire appointment in Collin County
If the appraisers cannot agree on an umpire, either party may apply to a Collin County district court or county court at law in McKinney after ten days' written notice. We handle the notice and the filing and propose neutral, qualified candidates. We also accept umpire appointments on Plano losses where we have no relationship with either side.
Where we go
Plano, Allen, Murphy, Wylie, Parker, Lucas, Richardson, Frisco and McKinney, and the rest of Collin County.
Questions from Plano policyholders
My Plano HOA requires a uniform roof. Does that help my appraisal?
It can. Where the policy covers matching or the HOA's architectural rules make a partial replacement impractical, the appraisers consider that in determining the amount of loss. We obtain the HOA's written standards and include them in the appraisal submission.
Can appraisal recover the depreciation the carrier withheld on my Plano roof?
The award states the amount of loss, usually at both replacement cost and actual cash value. Recoverable depreciation is then released under the policy's replacement-cost terms once repairs are complete. An appraisal award that corrects an unreasonably low replacement cost also corrects the depreciation calculated from it.
Joseph DittmanCertified insurance appraiser and umpire; licensed Texas public and independent adjuster. 463 appraisals closed in 2025, eight years of carrier-side adjusting, six years in construction. Serves as policyholder-appointed appraiser and as umpire statewide. Full bio