Frequently Asked Questions
Galvan Roofing & Construction wants to help you navigate the ins and outs of having your roof replaced. We have created a guide with answers to the most frequently asked questions when it comes to roofing in general, how the storm restoration process works and dealing with your insurance after a natural disaster.
Expanding Your Knowledge
What is the claims paperwork?
Do I need to have all the work completed on the claims paperwork also known as scope of work?
- Meaning if the same area suffers damage later the insurance company will not authorize payment due to the item not being repaired on the last claim you filed with the insurance.
Does your company follow Texas Department of Insurance Codes and protocol to obtain a Windstorm Certificate WPI8 for my roof?
How do I know that my house will pass Windstorm Code?
What is ACV (Actual Cash Value)?
What is Depreciation?
If you have a 30 year roof and your roof is currently 15 years old; they would depreciate it by 50%.
Do I call my agent or the company directly to file the claim?
Will my insurance premiums go up because I file a claim after I incurred storm damage or natural disaster?
Is the roofing company supposed to meet the adjuster?
Why do roofing companies ask for claims paperwork?
What happens when the insurance sends me the first check and it isn’t enough to cover my roof?
Do I have to pay my deductible? There are companies who say I don’t have to pay it.
To get full payment from your insurance company; your contractor will have to submit paperwork indicating that the deductible has been paid.
It is illegal for a contractor to waive your deductible in the State of Texas. You can personally be held liable for this along with your contractor. Please refer to Texas Department of Insurance for more information.
What happens if a contractor says they will waive my deductible?
What happens if I don’t have the funds to pay my deductible?
My insurance hardly sent me any money? Why?
Let us help you through the process to identify the WHY? We offer no obligation inspections to look at your property and help identify the why.
Can I get an upgraded roof? I think I want to change to a metal roof rather than my shingle roof.
Do I get a new roof discount from my insurance company?
(Class 4 usually is considered an upgrade from your standard roof materials covered today by your insurance company.)