Does Insurance Cover My Garage Door Repair?

Your homeowners’ insurance covers your house and its contents in the event of a destructive event. But does your insurance cover garage door repair?

Let’s look at the scenarios where your homeowner’s insurance will cover garage door repair.

What Types of Damage Are Covered Under Insurance?

Fire Damage

If your garage door is damaged by a housefire, homeowners’ insurance will usually cover the cost of garage door repair and replacement. However, wildfires may not be covered under a standard policy because wildfires are categorized under natural disasters.

Car Damage

If you or a member of your family accidentally drives into your garage door, most homeowners’ insurance policies will cover this. But if a neighbor or a relative accidentally backs into your garage door, the repairs will be covered under their auto insurance policy.

Vandalism

Your homeowners’ insurance is likely to cover malicious mischief, which includes strangers vandalizing your garage door with a baseball bat or someone painting graffiti on your garage door. You’ll be required to file a police report before you can make a claim on your policy.

Theft

It is likely that your homeowners’ insurance will cover any damage to your garage door caused by a break-in. If an intruder breaks into your garage, leaving the door damaged, your insurance will most likely cover the cost of repairs. It is advisable to read your policy inside out so that you know what’s covered and what’s not.  

Natural Disasters

Standard homeowners’ insurance provides coverage against damage caused by natural disasters like extreme winds, lightning storms, hail, or wind-blown debris. However, not all natural disasters are covered under your insurance. For example, damage to a garage door caused by flooding or an earthquake may not be covered under your insurance, unless you have additional coverage for these eventualities.

Be sure to read your policy carefully to understand the kind of natural disasters covered in your policy and avoid surprises later on.

If you live in an area where natural disasters are a common occurrence, it’s a good idea to add those extra coverages to your policy so that you won’t have to incur out-of-pocket expenses in the event of garage door damage caused by flooding and earthquakes.

Your homeowners’ insurance doesn’t cover intentional damage to your garage door and general wear and tear.

Are You Searching for A Reliable Garage Door Company to Help You With All Of Your Garage Door Needs? Look No Further Than Bob’s Advance Garage Doors

Perhaps your garage door is making a lot of noise during its operation; your garage door keeps malfunctioning, and you're considering replacing it; or maybe you're looking for a dependable garage door company to help you with garage door installation.

Whatever your needs are, it’s best to work with an experienced garage door company that is capable of getting the job done.

At Bob's Advance Garage Doors, we provide reliable garage door installation, garage door repair, and garage door replacement. Whether you're constructing a new garage and need to install an energy-efficient garage door, or it's time to upgrade your existing garage door, let our garage door installers help you out.