We are taught throughout our lives to ensure that we have adequate insurance to cover us for any eventuality. You can feel secure in your daily life with the many coverage and policies available.
What should you do if your garage door gets damaged? It doesn’t matter if it was caused by your car, another person’s car, random criminals, or unpredicted weather. You’ll want to get the most coverage for repair costs. Garage door insurance is not an option. Garage door insurance is not something homeowners often ask for.
The short answer is “yes” and “no”. There are multiple factors that influence the assessment of damage and the amount your homeowner’s insurance policy will cover. Let’s look at some examples of garage door insurance claims.
1. You ran into your garage door.
It happened, and it is hard to believe that you did it. You might have thought you were opening your garage doors. Then, as you look away, your front bumper smashes into the garage door panel. Although you are aware of minor damage to the car, the dent in the garage door panel is staring at your face. What can you do?
Because you are responsible, auto insurance does not cover damage to the doors. If you check your homeowner’s insurance plan, you may find coverage. You should remember that your garage is part of your home. If you or a family member caused the damage, it will be covered.
2. A neighbour’s car knocked on your garage door
Look into their auto insurance policy details if you have a garage door accident with a friend or neighbour. They are liable for property damage that they cause, so your repairs are covered under their policy as long as they don’t exceed the amount of their policy.
3. Someone painted graffiti on your garage door
Vandalism, thefts, burglary, graffiti — all these are considered “malicious misconduct” and often covered under homeowners’ insurance. You should take photographs of the crime scene and get in touch with your insurance agent. Some may ask for a report from the police. Be sure to contact them.
4. Garage Door Dented by Extreme Weather
This is the most difficult instance in homeowners insurance coverage. You should read all the fine print to ensure you understand what is written in your policy. A claim can cover some, but not all, weather elements. Flooding repairs are out-of-pocket expenses. Wind and hail can often be cleared.
Be smart and weigh all costs
If your garage door sustains damage, it is a good idea to review your insurance and coverage options. You may be able to repair the damage yourself if it is minor. Most insurance companies will require you to pay the excess deductible. This can add up to thousands.
Get a quote for your garage door’s broken springs and damaged tracks and panels. Our specialists will restore your garage door’s functionality and beauty quickly and efficiently.
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