If you’ve had to deal with garage door repairs, you know that sometimes it can be quite tedious, not to mention expensive. Larger repairs can also lead to replacements, which come at an additional cost. This may cause you to wonder: how can I get homeowners insurance to cover garage door repairs?
First, it’s important to understand what kind of coverage you have, especially considering where you live. For example, areas that experience frequent severe weather are more likely to cover weather damage because it can cause a lot of destruction. If you don’t have coverage, paying out of pocket can come at a high cost and hit when you least expect it.
Know Your Policy
The key to understanding what insurance will cover is knowing your policy. Different insurance companies and policies will cover different things. When you are selecting your homeowner’s insurance, make sure to find policies that include garage door repairs.
For example, this type of insurance policy will typically cover damage induced by members of the family. This could include someone crashing their car into the door or hitting it with an object, like a baseball bat. If someone outside your family damages the garage door, such as a neighbor, they will have to review their insurance policy, as they will be the one paying for it. If your garage door is separate from your house, also review if damage will be covered, since it may not technically be considered part of your home. Since all of these details can impact your insurance coverage, making sure you understand your policy is an important step to getting the best outcome for your home’s damage.
Alpha Overhead Door is a local garage door repair company committed to providing excellent service. Whether homeowner’s insurance will cover your repairs or not, we are excited to work with you. We will discuss your garage door repair options and find the best solution that fits your situation. Contact us for more information.
Weather Damage
When it comes to weather damage, it gets a little more complicated. Certain natural disasters may not be covered, while others are. For example, you may have wind and hail damage insured, but not flood or earthquake damage. It’s important to look over what homeowner’s insurance will pay for, considering your location. If you are on the coast, you will want flood and hurricane insurance. If there are large trees located by your house that could fall on your garage door, see if that kind of damage is covered. Be smart about what your insurance policy includes, given external factors. You want garage door repairs covered if you are around elements that may cause destruction.
