Your homeowners insurance protects your house and everything in it, allowing you to breathe a sigh of relief in the event of accidents, intrusions or damage. But what happens when your garage door requires repairs?
Your garage door is considered part of your home, so your insurance is designed to cover it. However, this coverage has some restrictions. For example, home insurance won’t cover garage door repairs for natural wear and tear. Minor damage may be covered up to a certain amount, but you’ll have to pay the rest out of pocket.
Does Homeowners Insurance Cover Garage Door Repair?
Your garage door is protected in many instances. However, it’s important to note that detached garage doors only receive coverage if your insurance policy includes structures other than your home itself. Additionally, your garage doors may only be covered to an extent.
If any of the following situations apply to you, your homeowners insurance should cover your garage door repairs.
Natural Disasters
Natural disasters can devastate your garage both functionally and cosmetically. However, the natural disasters your insurance will cover depend on your policy.
Standard homeowners insurance covers repairs for garage doors damaged by severe weather conditions like high winds, lightning storms and hail. You’ll likely need additional insurance for things like floods, wildfires, hurricanes and earthquakes. Be sure to check your policy to see what natural disasters your garage door is insured against.
Vandalism
Vandalism and break-ins can be upsetting experiences for any homeowner. Fortunately, if your garage door is defaced through malicious activity, your insurance will cover the repairs. That means everything from graffiti to broken windows to smashed panels will qualify you for repairs with no expenses on your end. However, you may need to file a police report before you can make a claim on your insurance policy.
Vehicle Damage
Have you ever accidentally backed into your garage when the door was still closed? While the embarrassment may remain for a while, the physical damage won’t. If you dent, smash or completely unhinge your garage door with your car, your insurance company will likely pay to fix it.
If someone else hits your garage door, that person’s auto insurance would cover the damage rather than your home insurance.
Housefires
Your insurance may or may not cover damage from a wildfire, depending on your policy. Luckily, standard homeowners insurance typically protects garage doors damaged in housefires, whether they require repairs or a complete replacement.
Book Garage Door Repairs From Banko Overhead Doors
If you’re in need of garage door repairs from a trusted team of technicians, Banko Overhead Doors is your solution. We’ve provided top-notch garage door products and services to customers across West Central Florida since 1984 and we’re still committed to quality and efficiency today. We value our customers above all else, which is why we’re only satisfied when you are.
Browse our garage door selection and schedule an estimate today!
