Is My Garage Door Repair Covered by My Homeowner’s Policy?
Consistent maintenance will keep your garage door in good condition for a long time to come, saving you a lot of money on potential repairs and early replacement. But occasionally, accidents do happen. When they do, you may be wondering if your homeowner’s insurance policy will cover the repairs or replacement so that you aren’t out a few hundred or even a few thousand dollars.
The good news is that your homeowner’s insurance policy will cover the cost to repair or replace a garage door in many instances. The bad news is that the policy won’t always cover you. Coverage depends on the circumstances that led to the damage. Here are a few common scenarios to help you know whether you might be covered by your policy:
One of the most common scenarios that can lead to garage door damage is if you back your vehicle into your door. You might be having a bad morning and still be foggy from sleep, and you just don’t even think about needing to open the door. Instead, you back right into it, causing major damage.
Fortunately, your homeowner’s policy should cover the cost to repair or replace your door if you damage it with your own vehicle. Every policy varies, so you’ll have to check the details of your own. Your vehicle insurance will not cover damages to your own property.
If someone else drives into your garage door, such as a friend who is visiting or a random driver who went off the road, that damage should be covered by that person’s automobile insurance.
Vandalism or Break In
Garage doors are often the targets of criminals. Some people like to use garage doors as canvasses for their graffiti. Others like to use them as a convenient entryway into your home so they can take anything of value that they see fit.
Most homeowner’s insurance policies cover damage to your garage door if it has been vandalized or involved in a home break-in. Again, just check your policy or contact your agent for clarification on coverage and any applicable limits.
Hail storms can leave your garage door dotted with small dents. Arizona’s monsoons can also bring down tree branches on your garage door or hurl rocks, branches, and other debris that the wind picks up against it. Your garage door could be majorly dented, or it may even stop working, as a result.
The good news, again, is that your homeowner’s insurance policy should cover this damage. However, you still need to check the details. Some insurance plans do not cover damage from certain kinds of natural disasters, such as floods. You would need a special policy to cover that damage.
Wear and Tear
Over time, your garage door may become damaged or stop working from simple wear and tear from everyday use. Lack of maintenance or just age can cause the parts to wear down or to break, and replacing or repairing them can be quite costly.
Homeowner’s insurance will not cover garage door repair or replacement from issues caused by regular wear and tear of the door. That’s why keeping up with routine maintenance is so important. Doing so will help you avoid extra expenses by keeping your garage door in top shape for a longer time.
If you are ever unsure about what kind of garage door damage your homeowner’s insurance policy will cover, you need only consult your policy documents or consult with your insurance agent to get clarification. Your Gilbert garage door repair service will usually be able to help you navigate the process, as well, as they will have experience working with insurance companies and claims. They can offer you guidance but not definitive answers (only your insurance company can do that).
Same Day Garage Door Services can help you get your Gilbert garage door in top shape and stay that way. We offer garage door repair and replacement, as well as routine maintenance services. If your door has been damaged in a storm, after a break-in, in a vehicle accident, or through some other situation, our professionals can get it back in working order again. Call us today to schedule an inspection or to talk about setting up a garage door maintenance plan.
Same Day Garage Door Services, LLC