Perhaps you have wondered what happens if someone accidentally backs into your garage door or if a storm causes a tree to fall on your garage. If you have had these thoughts, you may have also wondered, “Does home insurance cover garage door repairs?” This post will examine the conditions insurance companies will and will not pay for damage to your garage doors.
When Does Home Insurance Cover Garage Door Repairs?
Unfortunately, answering the question, “Does home insurance cover garage door repair?” is not simple. Various factors determine whether or not your insurance company covers your garage door damage.
Does Homeowners Insurance Cover Garage Doors After Vehicle Damage?
If you or a guest accidentally hits your garage door, your insurance company will likely cover the costs. Most homeowners insurance will pay for repairs even if a hit-and-run driver damages your garage. However, if there is harm to the vehicle, your homeowner’s insurance will not pay for the car’s damage.
Are Garage Doors Covered by Home Insurance in the Event of a Fire?
Homeowner’s insurance typically covers most repairs in the event of a fire. Meaning if a house fire does damage your garage doors, your insurance company will replace or repair them.
Does Homeowner Insurance Cover Garage Doors After a Natural Disaster?
When natural disasters strike, they can leave a mess behind. For example, if a branch or tree falls onto your home after a storm, homeowners insurance generally will pay to have someone fix it. However, some insurance companies will not cover the costs in the event of an earthquake, flood, or wildfire, so it is best to check with your provider for 100% certainty.
Are Garage Doors Covered by Home Insurance After a Break-in or Vandalism?
If your home is vandalized or broken into, it can feel scary and violating. Thankfully, home insurance typically covers the costs of broken or vandalized garage doors, but you will have to file a police report in most instances.
When Will Home Insurance Not Cover Garage Door Repair?
Whether or not your homeowner’s insurance covers garage doors depends on what type of insurance you have and how the damage occurred. While most insurance policies cover garage door repair or replacement for accidents or break-ins, there are some circumstances where they will not pay.
For example, some conditions in which home insurance will not cover the costs are minor or intentional damages and regular wear and tear.
So remember when asking yourself, “Does home insurance cover garage door repair?” that it all depends on what kind of coverage you have and how it happened.