Does Homeowners Insurance Cover Garage Door Repair? 

Garage doors are one of the home’s most important features. Research shows that 55% of homeowners use their garage as the main entryway. This means the average garage door moves 3-5 times per day, which equals about 1500 times per year. This amount of use puts a lot of stress on garage door parts. So wear and tear is a common occurrence, given the labor-intensive role that garage door springs, cables, and openers take on. Throw in accidents with vehicles, natural disasters, and malicious activity, and garage door repair becomes a necessity. 

When garage door repair is needed, it may be stressful and frustrating for homeowners who aren’t familiar with their insurance policy. Not all garage door repairs will be covered by insurance, but you can be prepared before garage door damage strikes. Being knowledgeable on your insurance policy, maintaining your garage door, and having an excellent garage door company standing by will make all the difference. At Garage Door Enterprises, we offer garage door repair designed to best restore your garage door. Our technicians are friendly, professional, and well-trained to take on any garage door repair project.

Signs You Need Garage Door Repair

  • Keypad and opener remotes won’t work.
  • Garage door won’t open or close.
  • Garage door moves and reverses.
  • Garage door comes off the track.
  • Garage door moves very slowly.
  • Garage door makes abnormal, grinding noises.
  • Garage door moves inconsistently.
  • Garage door has loose or fallen parts.
garage door repair

Tips When Choosing an Insurance Provider 

Review Garage Door Coverage: When deciding on an insurance plan, ensure that there’s coverage for garage door repairs. You won’t be looking for coverage on garage door damage due to old age or lack of maintenance, but rather vehicle and weather damage. 

Ensure You’re Familiar With the Policy: Most people don’t know what their policy covers until damage has already occurred. It’s important that you understand the type of home repairs that are covered in your insurance agreement. 

Have A Second Party Review: It may be a good idea to have a second party review your insurance policy, especially if you aren’t prepared to thoroughly read through it. This could be a lawyer, landlord, or family member. 

When Will Insurance Cover Garage Door Repair? 

Each insurance company is different and their policies will vary in terms of coverage. We can’t speak to every specific situation, but there are categories of garage door repair that are generally covered by insurance. 

Vehicle Damage

Do you have a new driver in the house? Sometimes accidents happen and that may be in the form of someone hitting the garage door with their car. Fortunately, this is typically covered by insurance. If someone outside of your household hits your garage door, their insurance will be liable for the damage. 

Natural Disaster 

Severe weather can sometimes cause a lot of damage to garage doors. It’s important that you check your insurance policy though, because not all weather conditions may be covered. Typically, wind and hail damage is covered, but earthquake and flood damage are not always covered. 

Criminal Activity 

Criminal activity should be covered in your insurance policy. If you experience vandalism or a break in that harms your garage door, insurance should step in to cover the cost to repair it.

Garage Door Repair

When Damage Happens

Review Your Insurance Policy: After garage door damage occurs, don’t wait to schedule a repair. Using a damaged garage door can pose a safety hazard and also cause further damage to other garage door parts. Review your insurance policy so you’re familiar with what coverage you’re owed. 

Document Evidence: Take pictures immediately after the damage happens. You’ll need to prove the way that your garage door was damaged. 

File a Claim: Filing claims can be simple or complex, depending on your insurance company and how the garage door damage occurred. If it was criminal activity, you may have to file a police report.

Garage Door Repair Chesapeake VA

If you need garage door repair in Chesapeake, VA, Garage Door Enterprises is your team! With years of experience, our technicians are well-trained to provide the best garage door repair in your community. We’ll gladly work with your insurance company to develop the best plan of action for your garage door repair. Give us a call today to learn more!

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