Garage Door Insurance Coverage Guide
Updated: May 30, 2023
If you’ve ever filed a claim with your homeowners insurance company, you know how important this coverage is. When an accident or another type of damage occurs that’s covered by homeowners insurance, the coverage can be an absolute lifesaver. Paying out of pocket to fix problems with a home can easily exceed an available budget.
Like any type of insurance, with homeowners insurance, certain things are covered, and others are not. If your garage door gets damaged, you may be wondering if you can file a claim with your insurance company. Navigating insurance issues can be a little tricky sometimes, and that’s why we want to help make the process a bit easier. Below are some questions you may be asking yourself about filing an insurance claim for your garage door.
Does Home Insurance Cover Garage Door Problems?
Some home insurance policies may cover your garage door, and this is something you’ll need to discern before signing a policy. Before filing a claim, check your policy to evaluate your coverage. Keep in mind that different policies will cover different accidents and situations. You may need to pay more per month for more extensive coverage or sign a policy with a company that offers a greater coverage variety.
Home insurance will often cover accidents you or a family member have caused. If another person caused the damage, such as a neighbor or passerby, their insurance will cover the repair expenses. Your insurance should cover damage that fire or vandalism causes. Additionally, your insurance should cover theft incidents or hit-and-run scenarios.
Some natural disasters will exclude your garage from home insurance, as extreme weather can be challenging to predict. Although your company may cover partial costs from wind-blown debris or hail damage, some severe damages may not fall under your policy. For example, earthquakes or floods may require you to cover the cost of repairs yourself.
Your insurance company will also likely reject your claim if the damage is due to natural wear and tear over time. As a homeowner, you do have to cover the maintenance and repair for your home out of pocket in such a case. Insurance companies take the responsibility of a homeowner to take care of their own home into account with their policies.
Does Car Insurance Cover Garage Doors?
If you or someone else damages your garage door with a car, you may be able to file a claim with your auto insurance company. Many of us have been there — a busy morning, we’re rushing out of our homes, and we’re feeling scatterbrained. Forgetting to open the garage door — and even backing right up into it — can happen. Or maybe you’re coming back home, the door isn’t opening as quickly as you guessed, and you scrape the bottom of it pulling into your garage. Accidents happen. That’s what insurance is for!
Unfortunately, your car insurance does not cover hitting your garage door if you were the one to cause the damage. Your attached garage is a piece of your home that falls under different insurance. However, car insurance should cover the cost of repairs for your car from the accident.
Additionally, if another person’s vehicle caused the accident, that person’s collision insurance may cover the repairs you need for your garage. Similarly, your auto insurance should cover damage you make to another person’s garage if you back or run into it.
Does Renters Insurance Cover Garage Doors?
As a renter, the garage door is not your property or responsibility. Renters insurance protects your belongings but does not cover structural damage. Although your renters insurance will cover stolen or damaged belongings, it will not cover the garage door and other structures on the property.
In the event of an accident that you did not cause, your landlord will need to contact his provider and discuss repair options. However, if you cause damage to the door, you will need to cover the costs out of your pocket. Your auto insurance may cover your car damage but will not cover garage damage.
Filing a Homeowners Claim for a Damaged Garage Door
Filing a claim for your garage door should be simple, but it can become complex depending on the situation. Your first step should be to contact your provider to determine whether your garage door is in your policy. You will then need to disclose who is to blame for the accident, whether it was someone in your family, a third party, a fire or something else.
You will need to submit documentation that is related to your claim. Depending on the accident, you may need to submit different documents. For example, a crime such as arson or vandalism will likely require you to submit a police report. Other times, your insurance company may require you to send receipts for repairs or send an adjuster to determine repair costs.
Repair Your Garage Door With DistribuDoors
If one of these situations or any other that involves your car and damage to your garage door occurs, you may be able to cover the costs to fix the door by filing an insurance claim. When your garage door gets damaged or broken, you’ll want to have it fixed as soon as possible. That’s where we come in.
DistribuDoors operates in the greater Seattle area. Our team is full of some of the most knowledgeable people in the industry, and our service is top-tier. We offer comprehensive service, products and installation, so you can always feel confident when you work with us.
Choose DistribuDoors to take care of any of your Seattle area garage door repair and maintenance needs. Contact us to learn more about our services or schedule an appointment.
Why Do Garage Door Springs Break?
We use our garage doors every day, but we often don’t think about how important they are to our daily routines. Garage door systems are also more complex than you might think. They contain several crucial parts that have to work properly, or they affect the entire system.
The springs on your garage door system support the weight of the door while it opens and closes. With such a job, you can probably guess how important the springs are to the rest of the door. When the springs break, there are several potential causes. Below, we’ll go over some of the most common reasons for a spring on a garage door to break and how you can prevent that from happening.
How to Choose a Garage Door Color
If you’re working on a new build, preparing to sell your home or completing renovations, choosing the right color for your garage door is crucial. With a wide variety of materials, styles and colors available, you have almost endless options. Your new door should complement the architectural style of your home, stay in line with your personal tastes and give your residence great curb appeal.
If you’re stuck on what color you should paint your garage doors, we’re here to help. Below are a few questions you might be asking yourself as you’re looking for the right color for your new garage door.
Tips to Choose a Trusted Garage Door Company
Updated: March 29, 2022
One of the most critical features of your home is your garage door. It protects your vehicles and valuables from the elements and keeps intruders from entering your garage or house. As such a significant investment, doing your homework before choosing a garage door company is a step you can’t afford to overlook.
When you’re thinking about buying a new garage door or having your current door repaired, one of the most important parts of the process is finding a garage door company you can trust. With the rising number of garage door scammers tricking innocent homeowners throughout Seattle and the rest of the country, it pays to be prepared. Read on to learn the signs of a garage door scam company and how to find a trusted garage door provider in Seattle.
Check out our tips and tricks video for choosing a garage door company you can be confident in.
Maximizing Your Home’s Value With Garage Door Insulation
As a homeowner, you’re always looking for ways to maximize your home’s return on investment (ROI). However, making a profit on your home sometimes requires an investment of your own — by making your house even better than it already is. As the old adage goes, you’ve got to spend money to make money. One way to do this is by installing garage door insulation.
As energy costs continue to rise, more and more homeowners are searching for ways to cut these costs and make their homes more energy-efficient. We install new windows, update our HVAC systems and add eco-friendly features to our dwellings. But one area that’s often overlooked is the garage. Insulating your garage door not only makes it a more comfortable environment, but it also can boost your home’s ROI.