Does 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 to 5 times daily, which equals about 1,500 times per year. This amount of use puts a lot of stress on garage door parts.
When garage door repair is needed, it may be 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.
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
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 specifically vehicle and weather damage, not damage due to old age or lack of maintenance.
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, a lawyer, landlord, or family member review your homeowner's insurance policy.
Will Insurance Cover Garage Door Repair?
Vehicle Damage
Sometimes accidents happen and someone hits 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. Typically, wind and hail damage are covered, but earthquake and flood damage are not always covered.
Criminal Activity
If you experience vandalism or a break-in that harms your garage door, insurance should cover the repair cost.
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.
Document Evidence: Take pictures immediately after the damage happens.
File a Claim: If it was criminal activity, you may have to file a police report first.
Garage Door Repair in Chesapeake, VA
Garage Door Enterprises is your team if you need garage door repair in Chesapeake, VA! 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. Give us a call at (757) 482-9350 for more information.
