Does Homeowners' Insurance Cover My Garage Door Repair or Replacement?

Garage doors can go through a lot. After all, protecting your garage and home requires a lot of durability and care! While a high-quality garage door will last you 10-15 years, accidents can happen. Your kids may crash into the garage door while playing hockey, or maybe your garage gets damaged by severe weather--regardless of the reason, you'll likely need to get it fixed. For those with homeowners' insurance, there may be an opportunity to receive money to help pay for a repair or replacement. Your garage is part of your home, isn't it? While each policy differs, there are some situations that your homeowners' insurance may cover your garage door repairs. 

What situations will my homeowners' insurance cover my garage door repair/replacement?

Damage from vehicles

Have you or a family member driven into your garage door by accident? Winter weather doesn't always make parking easy, especially if there is ice buildup on your driveway. Fortunately, there is good news! Most homeowners' insurance will cover vehicle damage, but check your individual policy to be sure. What if a guest accidentally hits your garage with their car while visiting your home? If someone damages your garage with their vehicle and they aren't part of the family living in your household, their auto liability insurance should cover it for you! 

Natural disasters

Severe weather can be tricky when it comes to homeowners' insurance coverage. If your garage door is damaged by hail or wind-blown debris, your insurance will likely cover some of the repair costs. It's important to read your policy carefully because some things you'd think would be covered are not! For example, if your garage door is damaged by a natural disaster such as an earthquake or flood, you may be stuck paying for the repairs yourself. The best bet is to check over your policy to see what will be covered.

Vandalism or break-in

It's likely that your homeowners' insurance will cover malicious activity; this includes things like graffiti and other vandalism, especially scarier situations such as break-ins. If someone breaks into your home through your garage, your insurance will likely cover the cost to repair it (of course, you'll want to double check). Homeowners' insurance is meant to provide a safety net for you and your home--that means your garage too!

What if my garage door has general wear and tear?

Unfortunately, there is no insurance coverage for the general wear and tear that a garage door can experience. While your garage door may be noisy or dented, your homeowners' insurance probably won't cover any of the repairs if it's from general wear. Following regular maintenance best practices will help extend the life of your garage door and avoid repairs (unless an accident occurs).

Contact Hamburg Overhead Door for garage door repair or replacement

So, your garage door needs some work? When it comes to garage door replacement, repair, and maintenance in Western New York, Hamburg Overhead Door is your go-to! With over 50 years of working with residential and commercial overhead doors, we've got your back.