All our lives, people advise us to have insurance so that it will support us when we are in need. There are so many various policies and coverage plans available for us to feel comfortable in our daily lives, including those for vehicles, houses, life, health, dental, and more.
Do Garage Doors Get Covered Under Homeowners Insurance?
What occurs then if your garage door sustains damage? You’ll want to obtain the most coverage you can for repair costs, whether it’s from your automobile, a neighbor’s car, a random criminal, or unpredictably bad weather. Unfortunately, garage door insurance does not exist. What usually follows is the query, “Does homeowners insurance cover garage doors?”
The simple response is “Yes and no.” Although there are a number of variables at play, including the extent of the damage and what your home’s insurance policy can cover, the majority of homeowner insurance policies cover any harm you or your family members cause to a garage door. How can you tell for sure if your home’s insurance will pay for garage door repairs?
1. You drove your car into your garage door.
You drive out of your house and slam into your garage door. You could have sworn you used the remote to open the garage door, but a split-second glance aside and your bumper collided with the garage door panel. Although you are aware that your car has minor damage, the ding in your garage door is staring back at you. How do you behave?
Because you are responsible for the damage, auto insurance will not pay for the door damage. However, you can frequently discover coverage if you look into your home’s insurance policy. Since your garage is a part of your house, you are eligible to file an insurance claim as long as you or a member of your family accidentally drove into the garage door.
2. Your garage door was hit by a neighbor’s car.
Look into the specifics of the neighbor’s or friend’s motor insurance coverage if they get into a collision with your garage door. They are responsible for any property damages they cause, therefore they will pay for your garage door repairs as long as the total cost of repairs does not go over their insurance limit. Their auto insurance will not pay the excess, thus they will be responsible for the remaining balance.
3. Your garage door has been vandalized.
Vandalism, theft, burglary, and graffiti are all examples of “malicious mischief” and are frequently covered by your homeowners’ insurance policy. Take pictures of the crime scene, and get in touch with your insurance agent to get assistance filing a claim for the harm done to your garage door. Make sure to contact the appropriate parties or law enforcement as well. Some insurance agents may also request that a police report be filed.
4. Your garage door was dented by severe weather.
In terms of homeowner’s insurance coverage, this is the trickiest scenario. Make sure you completely comprehend the language used in your homeowner’s insurance policy by reading the fine print. Some companies, but not all, frequently pay for weather-related garage door damage. While insurance often covers damage from wind and hail, any garage door damaged by flooding would require out-of-pocket costs for repairs.
Be Wise & Consider the Costs
You should consider all of your insurance and coverage choices in the event that your garage door sustains damage. It might be more cost-effective to repair the damage yourself if the accident was relatively minor. The deductible and amounts above your limit are frequently required by insurance companies, and this can quickly add up to thousands of dollars before your eyes.
Request an estimate from Fort Lee Garage Doors when it’s time to replace your broken springs, worn-out tracks, or damaged panels. To restore the appearance and performance of your garage door, our experts will work swiftly and effectively. Want to know more? Dial (201) 8006757 to reach us.