Investing in homeowners insurance is an important step to take for protecting your house from sudden damages. Since your garage door is a significant part of your house, you’ll want to ensure that your insurance company provides coverage for it in case something happens to it. However, garage door damage coverage may vary from company to company, here’s a guide to what garage door damages are most commonly covered by homeowners insurance, and what damages aren’t:
Insurance Typically Covers These Damages
While researching homeowners insurance, you learn that the idea of damage is a vague term in the eyes of insurance companies and depend on varying situations. You’ll want to note what damages are covered by your insurance policy before you make an investment. Here’s what you’ll most frequently find covered by homeowners insurance:
- Natural disasters – Typically, damages from natural disasters will be covered by homeowners insurance. Since severe weather from storms and hurricanes are common here in Florida, you’ll want to confirm your policy covers damages from specific damages like lightning, flooding, and wind.
- Vehicular damage – Accidents may happen, and you might end up bumping into your garage door with your car while backing up. Luckily, most insurance policies cover these damages.
- Break-ins/Vandalism – If in the unfortunate case your garage is vandalized, or even broken into, homeowners insurance is usually able to cover these damages, and may even compensate for stolen property.
- Fire damage – Housefires can be detrimental to your home in terms of damage. Fortunately, homeowners insurance typically covers these damages in case even the worst may happen.
What Is Not Covered By Insurance
It’s also important to note what your homeowners insurance doesn’t cover, as it will help you make a more educated decision on which policy you should invest in. Here’s a list of damages you won’t typically find covered by homeowners insurance:
- Wear and tear – Your garage door may start to show its age after a while, such as needing repairs and touch-ups. Be wary that homeowners insurance policies won’t typically cover these kinds of damages.
- Intentional damage – Purposeful damage done to your garage door won’t be covered by homeowners insurance. Otherwise, proof must be provided to show that it was accidental or uncontrollable.
We hope this guide helps you make an informed decision towards what you want to have covered with your homeowners insurance policy. It’s important to understand however that coverage will vary from company to company, so it would be wise to know ahead of time before committing to a policy. Overall, your garage door deserves the best protection from all of life’s unexpected moments!
Feel free to contact us if you have any questions about your garage door repairs or schedule an appointment online and we will come to you and access any damages made to your door.