Does Homeowners Insurance Cover Garage Door Repair? 

Garage doors are one of the home’s most important features. As of 2023, research shows that 55% of homeowners use their garage as the main entryway. This means the average garage door moves 3-5 times daily, which equals about 1500 times per year. This amount of use puts a lot of stress on garage door parts.

Wear and tear is common, given the labor-intensive role that garage door springs, cables, and openers play. Add in accidents with vehicles, natural disasters, and malicious activity on top of everyday use, and garage door repair becomes a necessity. 

When garage door repair is needed, it may be stressful and frustrating for homeowners unfamiliar with their insurance policy. Not all garage door repairs will be covered by insurance, but you can be prepared before garage door damage strikes. Knowledge of your insurance policy, maintaining your garage door, and having an excellent garage door company standing by will make all the difference.

Garage Door Enterprises offers garage door repair designed to restore your door best. Our technicians are friendly, professional, and well-trained for any garage door repair project.

Signs You Need Garage Door Repair

  • The keypad and opener remotes won’t work.
  • The garage door won’t open or close.
  • The garage door moves and reverses.
  • The garage door comes off the track.
  • The garage door moves very slowly.
  • The garage door makes abnormal grinding noises.
  • The garage door moves inconsistently.
  • The 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 homeowner’s insurance agreement. 

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

When Will Insurance Cover Garage Door Repair? 

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

Vehicle Damage

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

Natural Disaster 

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

Criminal Activity 

Criminal activity should be covered in your homeowner’s insurance policy. If you experience vandalism or a break-in that harms your garage door, insurance should cover the repair cost.

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 cause further damage to other parts. Review your homeowner’s insurance policy to familiarize you 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 the cause of the garage door damage. If it was criminal activity, you may have to file a police report.

Garage Door Repair Chesapeake, VA

As much as one-third of a home’s front exterior can be taken up by its garage doors. It’s important to keep your garage doors in good shape, or it’s painfully obvious. Professional garage door repair is never too far away with a local, family-owned company like Garage Door Enterprises.

Garage Door Enterprises is your team if you need garage door repair in Chesapeake, VA! 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 at (757) 482-9350 for more information.

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