Should You Claim Your Garage Door Repairs on Your Home Insurance Policy?
To understand If your garage door is covered under your homeowner’s policy, it is crucial to examine both the specific terms of your home insurance policy and the language used when selling insurance. Most homeowners insurance policies cover garage door repairs; however, some do not. In this article, we will shed light on the topic of home insurance policy and its relation to garage door repairs.
Most home insurance policies cover garage door repairs
Most home insurance & garage door repair policies cover damage to your home and theft, fire, and other disasters. But what about garage door repairs? Do they cover this type of damage?
Most home insurance policies will cover repairs to your garage door if it’s damaged in an accident, such as a fire accident or falling on its own. However, if you’re unsure whether coverage applies, contact your insurance company for clarification.
Insurance companies use different terms to describe their policies and coverage options, so it’s essential to read your policy’s fine print before making any coverage decisions.
Situations in which garage door repairs are not covered
There are some situations where your homeowner’s insurance policy will not cover your garage door repairs. Here are some examples:
Regular wear and tear
If your garage door has been around for a while and has acquired some scrapes and dents along the way, and if it’s been broken into due to regular wear and tear, then your homeowner’s insurance may not cover the cost of repairs.
Intentional damage to the garage door
Suppose someone intentionally damages your garage door by using dangerous tools or explosive material inside your garage. In that case, your home insurance policy will not be responsible for repairing your broken garage door.
Accidents made by the third party
Suppose someone else causes an accident while using their vehicle near your house or your property. In that case, that third party’s auto insurance will be responsible for the cost of your garage door repair.
Home Insurance Policy covering garage door repairs
Most importantly, you will need a home insurance policy that makes sure to cover home insurance & garage door repair, so you can rest easy knowing that your garage door is covered in case of a break-in or other incident.
The home insurance policy you are looking for should offer services like garage door repair services, including coverage for:
- Damage to your home due to fire, windstorm, or hail.
- Damage caused by vandalism or theft.
- Losses due to any cause (including earthquakes).
Conclusion
Whether you’re new to home ownership or are only just aware of the legal requirements of homeowners insurance, there will come a time when you’ll need to use this insurance to make repairs to your garage.
Most home insurance policies cover garage door repairs. Insurance companies will not cover intentional damage to your garage. They will also not cover accidents by third parties. Finally, Normal wear and tear are another familiar exclusion insurance companies will deny coverage for garage door repairs.
