Is Garage Door Repairs Covered by My Homeowners’ Insurance Policy?
When the garage door is damaged, homeowners often wonder if their homeowners’ insurance policy will cover the repairs. It’s a fair question. But the answer is, it depends.
Typically, your homeowner’s insurance policy will pay for property damage caused by a natural disaster or through the negligence of others. Of course, there are limitations, exclusions and restrictions to every policy. Who is at fault, how the damage was sustained and whether it was intentional or accidental will also be determining factors your insurance company will use to approve or deny your claim.
For example, let’s say that your garage door sustained heavy damage and your automatic garage door opener shorted out due to a major storm event like a hurricane. In this case, your homeowner’s insurance policy is likely to pay for the garage door repairs unless this type of event is excluded from your policy.
But what if the damage was something more common like a spouse accidentally backing into the garage door and it needs to be replaced. It’s always the spouses fault, right? This is a grey area because most insurance policies don’t cover accidental damage to your own property. Again, you will need to check the exclusions and limitations of your homeowners’ policy to know for sure.
Get a garage door repair estimate
Before filing an insurance claim, you will need to get an estimate for the garage door repairs. Contact your local professionals, Safe-Way Garage Doors, and we’ll quickly send a repair technician to your home. You will receive a written estimate for repairs that can be submitted to your insurance carrier. You should also take pictures of the damage with your digital camera or smart phone.
Consider your deductible
Depending on the extent of damage and your homeowner’s insurance deductible, it may not always be advantageous to file an insurance claim for garage door repairs. With rising costs of homeowner’s insurance policies in many states like Florida, Texas and Georgia, many homeowners have increased their deductible limits for lower policy premiums. So, if you have $1,500 in garage door repairs, and a $2,500 deductible, you will need to pay for the repairs out-of-pocket unless you can collect directly from the negligent party.
Have your garage door repaired
Any damage to your garage door should be repaired as quickly as possible. Most major insurance carriers have free smart phone apps that make submitting an insurance claim quick and easy. Be sure to provide any additional information your insurance carrier needs to process your claim. Unless otherwise instructed by your insurance provider, you should have your garage door repaired as soon as possible. By doing so you will mitigate any further damage to the property and avoid any potential safety hazards.