Garage doors are an essential part of a home, but many things can damage them. So, you might wonder, does homeowners insurance cover damage to garage doors?
What if a big storm damaged my garage doors?
The short answer is yes – most homeowners insurance policies will cover some damage to garage doors. However, it’s essential to read through your specific policy to understand what isn’t covered. In general, most homeowners insurance policies will cover the cost of repairing or replacing a garage door that has been damaged in a storm or other natural disaster. They may also cover the cost of repairing or replacing a garage door that has sustained significant damage due to vandalism or burglary.
However, there are some situations in which homeowners insurance will not cover damage to garage doors. For example, if wear and tear or poor maintenance caused the damage to the door, the policy is unlikely to provide coverage. Contact your insurance agent if you’re unsure whether your homeowners insurance policy covers garage door damage. First, ask your agent if your policy covers the damage. They will give you specific information about what your policy covers.
What are your options for repairing damaged garage doors?
In the meantime, if you need to repair or replace your garage door, several options are available to you. For example, you can contact a garage door repair company. Have them come out and assess the damage and make repairs, or you can purchase a new garage door outright.
No matter what you decide to do, it’s vital to take care of any damage to your garage door as soon as it occurs. If left unrepaired, even minor damage can lead to more significant and more expensive problems down the road.
Work with your insurance agent when you have questions about coverage for damaged garage doors
It’s also important to note that most policies limit the amount of coverage they provide for garage doors. So, even if your policy does cover damage to garage doors, there may be a limit on how much the insurance company will payout. Contact your insurance agent or company if you need help filing a claim. They will walk you through the process and offer you support.
So, does homeowners insurance cover damage to garage doors? The answer is usually yes, but it’s essential to read through your policy to understand what your policy covers.
Most homeowners insurance policies have a deductible, which means you will be responsible for paying a certain amount of the repair or replacement costs out of pocket.
Work with a trustworthy garage door repair company
If your garage door sustains damage regardless of whether your homeowners policy will cover it, A1 Door Company can help. We will take care of all your garage door needs throughout the Richmond area. Contact us today