Does Home Insurance Cover Garage Door? Things to know

Your garage door is an important part of your house because it keeps your cars and other things inside safe from the weather and thieves. But what should you do if your garage door gets broken? Does your home insurance cover it?

There is no one answer that is correct. Most homeowner’s insurance plans will pay for damage to your garage door that is caused by certain things, like fire, wind, hail, and theft. But some plans might not cover certain kinds of damage, like damage caused by normal wear and tear or damage done on purpose.

Table of Contents

What most home insurance policies cover

Most home insurance policies cover four main types of losses:

The structure of your house is covered by this type of insurance. This includes the roof, walls, foundation, and any attached structures like a garage or deck.
Coverage for your personal property includes things like furniture, tools, clothes, and appliances that you keep in your home.
Liability coverage: This saves you financially if someone gets hurt on your property or if you damage someone else’s property by accident.
Loss of use coverage: This pays for extra costs of living, like hotel stays and meals out, if a covered loss makes you unable to live in your home.

Here are some specific examples of what home insurance typically covers:

Fire damage
Wind damage
Hail damage
Lightning damage
Theft damage
Vandalism damage
Smoke damage
Water damage from storms or broken pipes
Falling object damage
Damage caused by vehicles
Damage caused by earthquakes or floods

However, it is important to note that home insurance policies do not cover everything. Some common exclusions include:

Normal wear and tear: Normal wear and tear damage to your home or things in it is not covered by house insurance.
Damage done on purpose: If someone breaks into your home or damages your things on purpose, like by being careless or vandalising, your home insurance will not cover it.
Flood damage: Usually, a separate flood insurance coverage will cover flood damage.
Damage from earthquakes: Damage from earthquakes is usually covered by a different policy for earthquakes.

There are things that your home insurance does and does not cover, so you should read it carefully. You should talk to your insurance agent if you have any questions about your benefits.

Does Home Insurance Cover Garage Doors?

Let’s get to the main question: Does home insurance cover garage doors? The answer varies on the details of the case and what caused the damage.

Damage to the Garage Door Caused by Covered Perils: If your garage door is harmed by a covered peril, like a terrible storm or a fire, your home insurance should usually pay to fix or replace the door. Standard policies usually cover the foundation of your home, which is why this is the case.
Damage from Poor Maintenance and Normal Wear and Tear: Home insurance does not cover damage from poor maintenance or normal wear and tear. Your insurance won’t pay for a new garage door if the old one breaks down because it wasn’t taken care of properly or is old and worn out. You are responsible for routine repairs and upkeep.
Special Endorsements or Riders: Some homes may choose to add certain endorsements or riders to their policies to better cover garage doors or other detached buildings. You can make these extra coverages fit your wants, but they might cost extra.

What kinds of damage to the garage door does house insurance cover?

Most of the time, home insurance will cover the following types of garage door damage:

Fire
Wind
Hail
Theft
Vandalism
Damage caused by falling objects, such as trees or branches
Damage caused by vehicles, such as if you accidentally back into your garage door

What kinds of damage to a garage door does house insurance not cover?

The most common types of garage door damage that are not covered by home insurance include:

Wear and tear
Intentional damage
Damage caused by pests, such as termites
Damage caused by faulty workmanship or defective materials
Damage caused by earthquakes or floods

How to make a garage door damage claim

You should make a claim with your home insurance company if your garage door is broken. How you file a claim will depend on your insurance company, but in most cases, you will need to show proof of the damage, like pictures and quotes from contractors.

After you make a claim, your insurance company will look into the damage to see if it is covered by your policy. You will only have to pay your deductible if your insurance company agrees to pay to fix or replace your garage door.

Things to think about when filing a garage door claim

To file a claim for garage door damage, you should follow these steps:

Contact your home insurance company. You can usually do this by calling a toll-free number or visiting your insurance company’s website.
Provide the insurance company with the following information:
- Your policy number
- Your contact information
- The date and time of the damage
- A description of the damage
- Any photos or videos of the damage
The insurance company will assign you a claims adjuster. The claims adjuster will investigate the damage and determine whether it is covered by your policy.
If your claim is approved, the insurance company will pay for the cost to repair or replace your garage door, minus your deductible.

Here are some more tips on how to file a claim for damage to your garage door:

You may be asked about the damage, such as how it happened and what you did to stop it from happening again.
You should give the claims adjuster any quotes you have from contractors.
Talk to your insurance agent if you have any questions about how to file a claim.

Report the damage as soon as possible so that you can make a claim. This will help make sure that your claim is handled quickly and correctly.

Tips to keep your garage door in good shape

There are a few things you can do to prevent damage to your garage door:

Keep your garage door properly maintained and lubricated.
Inspect your garage door regularly for signs of wear or damage.
Repair any damage to your garage door promptly.
Make sure your garage door is properly secured when it is not in use.
Consider installing a garage door opener with a safety sensor that will stop the door from closing if there is an object in its path.

What are the most important things to look for in a garage door repair company?

It’s important to think about these important things when choosing a garage door repair company:

Read reviews from other customers to get an idea of how well-known the company is. You can also check with the Better Business Bureau to see how the company is rated.
Experience: Make sure the company has fixed garage doors like the one you have before.
Guarantee: Find out what kind of guarantee the company has on both parts and labour.
Price: Before you decide, look at prices from several businesses.
Insurance and licenses: Check to see if the business has both. This will protect you in case something goes wrong or gets broken.

Here are some more tips to help you choose a garage door repair company:

Get more than one quote. It will help you sort through deals and prices.
Find out how much experience the company has with the kind of garage door you have.
Find out if the company guarantees both labour and parts.
Check to see if the business has a licence and insurance.
Write down everything, like the estimate, the warranty, and the times when the repair will begin and end.
Prepare to give a deposit, but don’t give the full amount until the fix is done.

These tips will help you pick a garage door repair company that you can trust, has a lot of experience, and doesn’t cost too much.

Top rated Garage Door Repair Companies Near You

Here are the top rated rated garage door repair companies:

Arizona’s Best Garage Door and Repair Company – 5 star rating
A1 Garage Door Service – 4.9 star rating
AA Best Garage Doors Inc – 5 star rating
Precision Overhead Garage Door Service – 4.9 star rating

I hope this helps you find a reputable garage door repair company in your area.

In Conclusion

Most homeowner’s insurance plans will pay for damage to your garage door that is caused by certain things, like fire, wind, hail, and theft. But some plans might not cover certain kinds of damage, like damage caused by normal wear and tear or damage done on purpose.

You can also help keep your garage door in good shape by keeping it properly and checking it often for damage or signs of wear.

Faqs

Q. What kinds of troubles do most garage doors have?

Here are some problems that garage doors often have:

The garage door won’t open or close. This could be due to a power loss, a broken spring, or a problem with the opener, among other things.
The garage door moves slowly or makes noise. This could be because the rollers are worn out, the track is loose, or there is a problem with the opening.
The garage door is bent or off-center. A broken spring, a bent track, or loose hardware can all make this happen.
The garage door isn’t on its track. This could be because of something in the way of the track, a problem with the rollers, or a broken spring.
The garage door is broken. This could be due to a storm, a car crash, or broken glass.

Q. Does home insurance cover garage door opener?

Most home insurance plans do cover garage door openers. That being said, you should check your insurance to make sure this kind of coverage is in it. Some plans might not cover certain kinds of damage, like damage caused by normal wear and tear or damage done on purpose.

Q. Does home insurance cover garage door replacement?

If the damage to your garage door is caused by a covered hazard, like fire, wind, hail, or theft, your home insurance will usually pay to have it fixed. But some plans might not cover certain kinds of damage, like damage caused by normal wear and tear or damage done on purpose.

Q: Is my garage door covered by my home insurance policy?

Q: What should I do if my garage door is damaged and I don’t have home insurance?

You might be able to pay for the repairs yourself if your garage door is broken and you don’t have house insurance. You should get bids from several builders before choosing who to hire, though, because this can get pricey.

You might also be able to make a claim with your car insurance company if your car damages your garage door. This will depend on the specifics of your car insurance package, though.

Don’t know if your home insurance covers garage doors? Call your insurance company if you do. They can also help you with any other questions you have about garage door harm.

Q. Does standard home insurance cover garage doors?

Most home insurance plans will cover damage to garage doors that was caused by a covered hazard, like a fire, storm, or vandalism.

Q. What types of garage door damage are usually covered by home insurance?

Most of the time, home insurance includes damage to garage doors caused by things like fire, theft, vandalism, or bad weather like hail and wind.

Q. If my garage door breaks down because I don’t take care of it, will my home insurance pay to fix it or replace it?

No, regular wear and tear or poor maintenance will not cause home insurance to cover damage to a garage door. The homeowner is in charge of keeping their garage door in good shape.

Q. Can I add extra coverage to my home insurance for my garage door?

There are some insurance companies that offer extra coverage for garage doors that you can add to your policy. These are called upgrades or riders. There may be an extra charge for these ads.

Q. How do I fix my garage door if it gets broken by a covered risk?

If an insured event damages your garage door, you should call your insurance company right away. They will help you through the claims process, which usually includes figuring out what kind of damage there is, how much it will cost to fix or replace, and what kind of coverage you have.

Q. Is home insurance the same for detached garages as it is for connected garages?

The “Other Structures Coverage” part of your home insurance coverage will usually cover detached garages. This coverage can help fix or replace detached garage doors that have been damaged by things that are protected.

Q. Can I file a claim for my garage door if it gets broken by accident, like when I hit it with my car?

Most home insurance policies don’t cover damage that happens by accident, like hitting your garage door with your car. For this kind of thing, you might need to look into your auto insurance choices.

Q. How can I make sure that my home insurance covers my garage door properly?

Review your policy and talk to your insurance company about any worries or needs to make sure you have enough coverage for your garage door. You might also want to add more endorsements if you think it’s important.

Q. Will filing a claim for a garage door change how much my insurance costs?

If you file a claim for a garage door, it could be seen as a claim against your policy, which could raise your rate. Talk to your insurance company to find out how this might affect your rate.

Q. Does garage door repair have to be done in a certain way for home insurance to cover them?

Insurance companies don’t have specific care rules, but it’s important to keep your garage door in good shape to avoid damage. If you do regular upkeep, you can avoid problems that your insurance may not cover.

Q. What proof should I keep to back up an insurance claim for my garage door?

When you file an insurance claim for a garage door, it’s important to keep records, like pictures of the damage, repair quotes, and any conversations you have with the insurance company. These papers can make the claims process go more quickly.

Q. How do insurance companies figure out how much a broken garage door is worth?

You can usually find out how much a broken garage door is worth by having an insurance adjuster or a repair professional judge it. The insurance company will then decide how much to pay for the claim based on how much it is thought to cost to fix or replace the item.

Q. Does home insurance not cover everything when it comes to garage doors?

It’s possible that some policies won’t cover certain kinds of damage or situations. Read your policy to see if there are any garage door exclusions, and then talk to your insurance company about them.

Q. Can I file a claim for a garage door that was broken into or stolen?

Yes, most home insurance policies will cover damage to your garage door that is caused by theft or break-ins, as long as you have enough coverage for your belongings and the damage.

Q. Do garage door claims come with any costs that can be deducted?

Yes, most home insurance plans have a deductible. The deductible is the amount you have to pay out of pocket before your insurance starts to pay. The deductible amount can be different, so read your contract to find out more.

Q. How often should I look over my home insurance policy for my garage door and make changes?

Every year, you should go over and make changes to your home insurance policy to make sure that your coverage is still valid. If you’ve made changes to your property or garage door, you might need to make changes to your insurance.

Q. My garage door is broken. Can I fix it myself instead of calling my insurance company?

You can fix a broken garage door yourself, but you won’t be able to get your insurance to pay for it if you do it yourself.

Q. My garage is detached. Do I need a different policy for it, or is it covered by my home insurance?

The “Other Structures Coverage” part of your home insurance coverage will usually cover a detached garage. But it’s important to make sure you understand the details of your policy by calling your insurance company.

Q. Can I get separate insurance for an expensive or special garage door from my home insurance?

Yes, you may be able to cover your custom or high-value garage door separately. This could be done through an endorsement to your current policy or a separate policy made just for valuable property.

Q. In case I have doubts about my garage door security or need to make changes to my policy, what should I do?

Talk to your insurance company about your garage door policy if you have questions or need to make changes. They can help you make changes to your insurance, give you advice, and answer your questions.