Owning a home comes with the unwritten rule of Murphy’s Law – if something can go wrong, it will. That includes your garage door. Whether it’s an accidental run-in with your car, damage from a severe hailstorm, or worn-out springs in need of repair, the need for garage door repair can strike at any time. But could your garage door repair be covered by your insurance? The answer is a conditional “maybe.”
Whether your homeowner’s insurance covers garage door repair is a question that varies from policy to policy. There is no one-size-fits-all answer. The rule of thumb is always to check with your insurance provider or agent for clarity. It’s a crucial step to take because the specifics of coverage can vary between different insurance policies. It’s worth noting that many homeowners end up shouldering repair costs out-of-pocket, not realizing that their insurance might cover the expenses. In many cases, insurance providers are willing to cover garage door repairs. Homeowners unfortunately often miss out free garage door repairs because they fail to even try asking for it. This also extends to when you’ll need a full door replacement.
Car Accidents are Often Covered But Not Always by Your Insurance
When your garage door falls victim to a vehicle accident, you’ll be pleased to know that most homeowners’ insurance policies have you covered. Even better news? If the damage was caused by someone else, the chances are high that it will be covered by their car insurance.
In the event of your garage door being damaged in a vehicle accident, you can rely on most homeowners’ insurance policies to come to your aid. Your policy should typically cover the necessary garage door repairs or replacement, depending on the extent of the damage. It’s a comforting thought that your home insurance can provide relief in such situations.
Now, let’s turn to the scenario where the damage to your garage door was caused by someone else’s vehicle. In this case, the good news is that the responsibility usually falls on the driver’s car insurance. Their insurance policy will be the one to cover the costs associated with repairing or replacing your damaged garage door. That means there won’t be any increase in monthly payments for your insurance.
Natural Disasters Can Vary Based on Policy and Event
If your garage door is damaged by hail or strong wind, you are probably covered by your homeowners insurance. However, some companies require a special policy for hurricanes, floods, or earthquakes, especially if you live in areas prone to these types of disasters. Again, contact your provider. It’s common to pay a premium for specific event coverage. Earthquakes are a big one that isn’t covered too often and if you’re worried about it, you should probably pay it if not for your garage door, then for your home.
Vandals/Burglars Are Commonly Covered but You’ll Need a Police Report
Most homeowners insurance policies have clauses that protect you against vandalism and break in, such as broken windows, graffiti, or other damage caused by somebody trying to get inside. If you’ve been the victim of a break in, you’re likely covered. And if the thief damaged the garage door breaking in, chances are the repair is also covered. Remember to file a police report as soon as possible as your insurance will likely need it to fulfill any door repair or replacement claim.
Wear & Tear Won’t Be Covered by Insurance Providers
As we mentioned, most policies don’t cover damages caused by wear and tear. The good news is that many garage door repair companies do. You can get an annual maintenance package that can help control costs and prevent any big budget surprises down the road.
The beauty of a maintenance plan purchased by a repair company is it usually covers annual inspections and tune ups. By taking a proactive approach to repair issues with your garage door, you ensure it is in top working order. Your garage door will run beautifully, last longer, and need fewer repairs overtime.
Sometimes It’s Better to Pay for Garage Door Repairs Yourself
When considering using your insurance policy for a garage door repair, you should consider the financial aspects. It’s important to remember that utilizing your policy for repair may lead to an increase in your premiums. This potential increase in monthly payments is a factor to consider when determining whether it’s financially worthwhile to involve your insurance for the garage door’s repair.