Does Home Insurance Cover Garage Door Repair?
Updated: May 11
Whether your home insurance covers garage door repair depends on two main factors. These are the specifics of your policy and the type of repair you're asking about. Some policies include more coverage for garage doors than other policies do. Additionally, there may be certain kinds of repairs that are covered, while other types are not. It's always a good idea to be clear on what your home insurance actually covers, so you don't get caught paying for repairs when you thought you were financially protected.
What Does Your Policy Say?
By taking a careful look at your policy, you should be able to see if garage door repair is covered. If the language around that seems vague, ask your insurance agent for a straight answer. Some policies don't cover the garage door, but you can always have changes made to your policy, to add that kind of coverage. In doing that, consider the risk of garage door damage, versus the cost of adding coverage to the policy.
What Kind of Repair is Needed?
The type of repair also matters. Most policies have coverage for car damage, for example, and may also cover you if someone breaks into your home through the garage and steals from you or vandalizes your property. Coverage also usually includes fire damage and natural disasters. But things like normal wear and tear on your garage door won't be covered by an insurance policy.
Any kind of minor or intentional damage won't be covered by the majority of policies. For example, you can't make an insurance claim for a small dent, or damage your door on purpose to get insurance to replace it. If you need general garage door repair, whether it's covered by insurance or not, it's always best to have a professional handle it. They can correct the problem, and work with your insurance company if it's a covered repair.
Whether you need a general garage door repair or a garage door installation, the professionals at Pacific Garage Doors Inc. will provide you with affordable service and superior quality workmanship. To learn more, contact us today!