Homeowners insurance provides coverage for damage that may be otherwise cost-prohibitive to fix. If your garage door were to be damaged in an accident or other event you have no control over, your policy may cover the cost of repairs. It depends on many factors. How do you know your home insurance policy covers your garage door? What happens when damage occurs and you need to fix it quickly? Continue reading to find answers to the most common questions regarding garage doors and home insurance.
Does My Home Insurance Cover the Cost of a Broken Garage Door?
One insurance policy may differ greatly from another. Sometimes, you may be able to pay more per month for fuller coverage. Another insurance company may sell separate policies to cover additional parts of your home.
In general, homeowners insurance protects your home, items inside it, other structures on your property, and valuables in and around your home. It also covers damages to other people’s property as well as injuries. If events such as fire, theft, and vandalism occur, you are usually reimbursed for the cost of repairs or replacing damaged or destroyed items.
Check your policy to find out if your garage door is covered. If it’s part of an attached garage, your insurance most likely provides protection for damage by something beyond your control, such as a storm or hit-and-run accident. Detached garages are covered only if the policy includes other structures on your property.
However, if it’s your fault a garage door is broken or the damage was caused by normal wear and tear, it’s probably not covered under your home insurance policy.
Another consideration is the cost of filing a claim. If you decide to pay out-of-pocket, you may avoid higher insurance premiums. Reporting a damage claim can cause your insurance premium to increase. It’s therefore important to weigh the cost of repairs versus the sum of higher monthly premiums over time.
Will Auto Insurance Cover Hitting My Garage Door?
It’s not likely, and your homeowners insurance won’t likely cover the cost of fixing car damage. But the good news is your car insurance policy will. This can be a tricky situation because running into a garage door can render it unusable. A car can cause large dents, break through the door, or knock it off the rails. Oftentimes a garage door must be replaced after such an accident.
What If Someone Else Hit My Garage Door?
File a claim with their car insurance company. It is more likely to cover the cost of repairs or replacement if the policy holder’s car ran into your garage door by accident.
It’s important to be familiar with what your auto and home insurance covers. Then, if something were to happen, you could act quickly in filing a claim and getting the cost of a garage door repair or replacement covered. The sooner it’s fixed, the safer and more functional your home will once again be.
Contact Precision Door Service of Las Vegas
We are a trusted garage door installation and repair company serving the Las Vegasarea. If your garage door has been hit, damaged, or dented, contact us right away and we’ll recommend the best options and provide the highest quality repairs or replacements. We’re also open during the coronavirus pandemic, providing no contact service and following recommended sanitation, PPE, and social distancing procedures that enable us to ensure your safety and provide the Las Vegas garage door service you need.