It is normal for your garage door to experience wear and tear and therefore need routine maintenance and repairs. As homeowners, we know this and anticipate it, so it is easy to plan and save for when that time comes. For emergency situations, we protect ourselves with homeowner’s insurance, but does it cover garage doors too? Neighborhood Garage Door Repair wants to go over all this with you.
Homeowner’s Insurance and Garage Doors
It’s easy to assume that since your garage door is attached to your home it is naturally covered by your homeowner’s insurance. However, that is not always the case. Coverage by your insurance company could depend on the accident itself or what you have chosen to have covered in your individual policy.
Fortunately, when it comes to a storm or natural disaster, your garage door is typically covered. This may include events like hail and high wind affecting your garage door or blowing debri into it. However, on the other hand, damage from events like flooding or earthquakes is not always covered, unless you have obtained policies for these individually.
Filing a Claim
With any insurance company, once the damage has been done to your garage door after an event or accident, you will have to file a claim. This may include filling out specific documentation from your insurance company, submitting pictures, or meeting with an adjuster to find out the monetary value of the damage. In some cases, you may even have to save and submit receipts for repairs in order to be reimbursed by your insurance company.
Covering Other Accidents
While not all natural disasters are covered by homeowner’s insurance, you may be curious to know what else is and isn’t covered. One area that is definitely covered is damage relating to vandalism and break-ins, like graffiti or broken windows. Additionally, depending on the situation, if you were to accidentally run into your garage door with your car, homeowner’s insurance will likely cover this as well.
On the other hand, if someone else hits your garage door while driving, it is their auto insurance policy that will likely cover the damage to your door. Ultimately, if you are concerned about your homeowner’s insurance and its coverage, review your policy today. Make the necessary changes to ensure that you and your family are covered in the event of any type of natural disaster, accident, or emergency situation.
Let Us Fix Your Door Today!
One area that homeowner’s insurance will definitely not cover is the normal wear and tear of your garage door and that is where Neighborhood Garage Door Repair comes in. By scheduling routine maintenance with our team, we can keep your garage door in excellent working condition. Additionally, we can help prevent repairs and even prolong the life of your garage door.
If you do find yourself with a broken garage door due to a storm or natural disaster, Neighborhood Garage Door Repair can assist with that as well. We will help you navigate what your garage door needs to be fixed, as you sort through things with your insurance company. Partnering with us means that your garage door will be repaired and like new in no time! We can’t wait to take your call!