As a homeowner, you understand the significance of proper insurance coverage for your home. But what about your garage door? Accidents happen, and your garage door could inevitably need repairs or replacement. So, does your homeowners’ insurance policy cover such damages? In this blog post, we’ll go over the garage door damages typically covered by homeowners insurance.
Vehicle Damage
It’s hard to avoid the occasional accident, especially inside your garage. Luckily, most homeowners insurance policies do cover damages caused by vehicles. Whether it’s you backing up into your door or a visitor crashing into your garage door, your insurance company should cover the damages.
Natural Disasters
If your area is frequently affected by thunderstorms, tornadoes, or hurricanes, most policies will cover damages to your garage door. However, the individual coverage for each type of natural disaster may vary. Take a moment to read your policy documents to understand what damages are included or excluded from the coverage.
Fire Damage
A sudden fire in your garage is one of the most damaging and scary things that can happen to your home. But if your policy includes fire coverage, your garage door damages will most likely be included.
Vandalism and Break-Ins
Most homeowners insurance policies will cover the damages if someone breaks into your garage or vandalizes your garage door. You may also be able to claim coverage for any personal property that was stolen or damaged inside your garage.
Wear and Tear
Garage doors often face daily wear and tear, a common problem. Unfortunately, most homeowner’s insurance policies won’t cover general wear and tear expenses. That said, if the damage resulted from a covered peril like a natural disaster, your coverage might include the repair costs.
Keeping up with regular maintenance for your garage door can make a big difference in avoiding damages. But if any unexpected damages do happen, take a moment to carefully review your policy documents to understand what’s covered and what’s not. If you have any doubts, don’t hesitate to contact your insurance company and speak with a representative who can help explain your coverage options. Having good homeowners insurance coverage for your garage door will give you peace of mind and allow you to rest assured that you’re protected from unexpected damages.
Need to get your garage door fixed? Or in need of some maintenance? Bayside Garage Doors is here to assist you anywhere in the Tampa area. Contact us at the following numbers for more information: 813-670-2087 (Hillsborough County), 352-405-1492 (Pasco & Hernando), 727-285-8171 (Pinellas County).