Will Homeowners Insurance Cover My Garage Door Repairs?

October 8, 2019

For a considerable portion of American families, the garage door serves as one of the primary entrances to their house. Whether you’re pulling your car into the garage or you’re taking the dog out through the garage for your daily walk, homeowners depend on a fully-functional garage door to make the most of their home. In the Denver area, where snowy winters and hot summers necessitate a functioning space for the family car, a garage door is critical. So, what to do when you suddenly need garage door maintenance or garage door installation in Denver, CO?

When you’re a homeowner unexpectedly in the market for garage door work, don’t discount the purchasing power of your homeowners insurance. Though it may not work in all cases, a lot of homeowners insurance plans will happily cover damage to your garage.

What happens if I break the garage door?

In most cases, your garage door is included in your homeowners insurance. So, if you or someone in your family inflict damage on your garage door, it’ll likely be covered.

The same thing goes for vandalism, loss from fire and damage that’s a result of theft. That said, if your garage door is damaged through a criminal act, your insurance company may likely ask you to fill out a police report in addition to filing an insurance claim.

Is wear and tear covered?

Though homeowners insurance should cover garage door installation in Denver, CO that occurs as a result of accident or damage, that same insurance won’t necessarily cover a garage door that fails as a result of normal wear and tear. If your spring breaks after years of use, for example, you’ll most likely end up having to foot the entire bill yourself.

Know your coverage

Some homeowners insurance policies won’t cover some types of damage like intentional destruction or damage from a natural disaster. Earthquake or flood damage, for example, may require that you have the specific corresponding insurance policy to have the cost covered.

If you have a detached garage, that may also pose potential problems when filing a claim for coverage.

What happens if my neighbor runs into my garage?

If someone who’s not covered under your insurance (like a neighbor or family friend) happens to damage your garage door, then their insurance will most likely cover it. Should they damage your garage door with their car, their auto insurance will most likely take care of it.

Elevating garage door craftsmanship

Whether it’s covered or not, it’s never a bad idea to enlist the help of Sky Castle Garage Doors for your garage door installation in Denver, CO. We’ll work with you every step of the way to make sure that you’re never less than satisfied with the quality of our work.

Our family owned and operated company has years of combined experience serving the Denver area. From our knowledgeable technicians to our friendly customer service team, we take pride in offering honest, reliable work that meets your needs from the moment you call. Get in touch today to learn more.

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