We all know that homeowner’s insurance covers our homes, but what about the garage door? Is it even regarded as a 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 a great deal of toughness and care! Accidents do happen, even if a high-quality garage door will last you a couple of decades.
Your garage may be damaged by harsh weather, or your kids may collide with the garage door while playing hockey. Whatever the case may be, 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.
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 the cost of 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 of the conditions under which your homeowners’ insurance will cover your garage door.
When it comes to 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.
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.
Have you or a member of your family ever accidentally drove into your garage door? Winter weather may make parking difficult, especially if your driveway has ice accumulation. 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.
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 and other vandalism, as well as 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.
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 that you are eligible to 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 caused the damage to 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, certain 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 be most likely to 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.
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 has got you covered for garage door replacement, repair, and maintenance!