We all know homeowner’s insurance covers our homes, but what about the garage door? Is it even considered part of the house?
Repairing or replacing something can be costly, so we understand your concern. Garage doors have a lot of wear and tear. After all, safeguarding your garage and residence necessitates much toughness and care! Accidents happen, even if a high-quality garage door will last you a few decades.
Harsh weather may damage your garage, or your kids may collide with the garage door while playing hockey. Whatever the case, you will almost certainly need to have it repaired. While each homeowners’ insurance policy is different, your homeowners’ insurance may cover garage door repairs under specific circumstances. Here is a quick rundown for those of you who do not know what homeowners’ insurance is.
Table of Contents
Homeowners’ Insurance
Standard homeowner’s insurance covers your house and its contents; if something goes wrong (such as a fire or theft), you will be reimbursed for repairing or replacing various items. Your home, other structures on your property, your personal belongings in and around your home, and damages or injuries to other people’s property are all covered by homeowner’s insurance.
Here are some conditions under which your homeowners’ insurance will cover your garage door.
Natural Disasters
Regarding homeowners’ insurance, severe weather can be challenging to predict. If your garage door is damaged by hail or wind-blown debris, your insurance company will most likely cover some of the costs of repairs.
Natural Disasters
However, It is crucial to analyze your insurance thoroughly since certain things you might believe aren’t covered!
If a Natural Disaster Damages Your Garage Door, such as an earthquake or flood, you may be responsible for the repairs yourself.
Vehicle Damage
Have you or a family member ever accidentally driven into your garage door? Winter weather may make parking difficult, especially if your driveway accumulates ice. There is some good news! The majority of homeowner’s insurance policies will cover garage door damage. The bad news is that it will not cover any vehicle damage. However, you should check your car insurance; your liability insurance may cover the damage to your vehicle.
Vehicle Damage
Things get a little trickier if someone else drives into your garage instead. If the damage were caused by someone else’s vehicle, you would need to submit an auto claim with their insurance company to get reimbursed.
Break-ins or Vandalism
Your homeowners’ insurance is likely to cover malicious behavior, such as graffiti, other vandalism, and more frightening circumstances like break-ins. If someone gains access to your house through your garage, your insurance will most likely cover the cost of repairs (though you should double-check). Homeowners’ insurance is designed to protect you and your house, which includes your garage.
Break-ins or Vandalism
It is good and relieving to hear that your homeowners’ insurance can cover damage to your garage door. It is also imperative to know the circumstances under which the policy does not cover the damage.
If you believe you can claim your garage door, here are a few steps you need to take.
How Can You File a Garage Door Claim?
First, check your insurance coverage to determine if the incident that damaged your garage door is covered. If you’re unsure, call your insurance provider to discuss the event.
Next, figure out who is to blame.
- The weather or a fire might cause this.
- Still, if a person caused the damage, specific insurance plans will only pay out if the person who did the damage was a member of your household.
- If the damage were caused by a third party, such as their vehicle, their car insurance would probably cover it.
Finally, if you believe you have a viable claim, you must follow the instructions provided by your insurance provider. This depends on the nature of the event.
Damages To Garage Doors, Not Covered By Homeowner’s Insurance
Damage to your garage door from wear and tear is another area where things may go wrong. Your home insurer would most likely refuse your claim for losses caused by normal wear and tear. While your Garage Door May Be Loud or damaged, your homeowners’ insurance is unlikely to cover any of the repairs if it is due to normal wear and use.
After all, garage doors have a mechanical mechanism. They aren’t meant to last indefinitely. According to the insurance providers, the homeowner is responsible for regular wear and tear on the garage doors.
Bottom Line
Regular maintenance will help you extend the life of your garage door and avoid costly repairs. So, your garage door needs repair? Elite® Garage Door, Repair & Installation Services covers garage door replacement, repair, and maintenance!
Leave A Comment