Homeowner’s insurance is a staple for feeling secure, should you experience the unexpected. But when it comes to damage to your garage door, how applicable will the insurance be if you need a repair?
Here are the details about what garage door situations are and are not covered under your homeowner’s insurance.
The Type of Damage Matters
Most insurance will cover the same basic damages to your garage door. You should expect your insurance to kick in for:
- Car-related damage
- Theft
- Fire damage
- Natural disasters
- Vandalism
Because homeowner’s insurance can apply to a range of damage types, your repairs will likely be at least partially covered. If you are unsure if your damage will be covered, talk with your insurance agent to discuss your coverage and see your possible options.
Generally, you shouldn’t anticipate your insurance to cover intentional damage or general wear and tear. You could still get coverage for minor damages, however, depending on your repair cost and your deductible.
Wear and tear from time and weather can require garage door repairs, but insurance rarely covers it, which is why professional maintenance is crucial for your door’s longevity.
The Fine Print on Car Damage
Car damage is somewhat ambiguous. When you see this term in your insurance policy, you may wonder if it covers car damage from someone living in your home or by someone else, like friends or neighbors.
Standard homeowner’s insurance plans often cover garage door damage done by your own vehicles. On the other hand, if the damage was done by someone who doesn’t live on your property, you’ll likely still receive coverage, but from the person’s auto insurance policy.
The good news is that if the damage is extensive, your insurance may cover the difference in repair costs.
What if Your Garage Isn’t Attached to Your Home?
Since it’s not technically part of your home, it’s understandable that you’d question if your insurance would include your garage. Some insurance policies have a separate “other structures” clause that gives additional coverage for pools, sheds, fences, and separate garages.
It’s important to note that even if your insurance includes this clause, it will likely be a smaller percentage compared to what is offered for damage to part of your home.
Need Garage Door Repairs? Larry Myers Garage Doors Has You Covered
Garage door damage can be a hassle to deal with, but the experienced technicians of Larry Myers Garage Doors can make it pain-free! If you need a garage door repaired in the Portland or Vancouver area, contact us today to learn more and schedule your appointment.