Is Garage Door Damage Covered by Homeowners Insurance?
You pay your homeowner policy premiums on time to enjoy peace of mind, and your coverage protects you against theft, fire and other disasters. But does homeowners insurance cover garage door repairs?
Does Homeowners Insurance Cover Garage Doors?
Every policy is different — so if you have questions about what is covered when it comes to your garage doors, read your policy or contact your insurance company. In general, garage doors are covered by typical home insurance policies. What is covered and for how much can vary, though.
In some cases, you may not be covered. If your garage door is detached from your home or if you damage your garage door on purpose, your insurance may not pay for repairs or replacement.
You should also know that all policies have exceptions. For example, many standard policies may not cover flooding damage or problems caused by natural disasters. You may need to pay extra for coverage in these cases.
Is a Broken Garage Door Covered by Homeowners Insurance?
Many types of garage door damage are covered by homeowners insurance. If you or a member of your household cause damage to the door by being too rough with the door or by accidentally crashing into it, your insurance policy should cover repairs. If fire, theft, a break and enter, vandalism or similar event damage your garage door, your homeowners insurance should cover that as well.
In some cases where a third party breaks your garage door, another policy covers the damage. For example, if your neighbor bumps into your garage door with their car, their insurance will probably cover the damage.
Will Filing a Homeowners Insurance Claim for a Broken Garage Door Increase Your Premiums?
In general, your premiums will go up when you make a claim, including a claim for a broken garage door. If your home is severely damaged by fire or another situation and you cannot pay for repairs or replacement out of pocket, you’ll almost certainly want to make a claim. After all, that’s what your insurance policy is for. Leaving the garage doors broken can be inconvenient, and it may even compromise your home’s security.
However, for minor damage, you may wish to consider paying for repairs yourself. You can save money in the long term by keeping your premiums low.
Whether you pay for repairs or get your insurance to cover the costs, do not attempt repairs yourself. Garage doors are heavy — and in many cases, they provide entry into your home. Making a mistake with repairs can compromise your safety and can even cause serious injury. Attempting your own repairs can also invalidate any warranty on your garage doors.
Filing a Homeowners Insurance Claim if Your Garage Door Is Broken
If your garage door is broken or damaged by an event your insurance covers, you will need to contact your insurer to find out how to file a claim. Usually, you can report the incident to the insurer and the insurance company will ask for proof or will send an adjuster out to assess the damage. If arson, theft or a car crash caused the damage, you may need to submit a police report with your claim.
Once your insurance company determines that your garage door is covered, they will either pay for repairs or replacement or ask you to pay upfront and reimburse you for the cost. It’s important to ensure all repairs maintain your garage door’s warranty and keep your garage door to code. In New Jersey, you can count on Liberty Door and Awning for quality repairs and replacements. Contact us today to get started.