Garage Door Spring Repair and Home Insurance Policies

Garage door springs are a vital component of your door’s operation, and like any mechanical part, they can wear out over time. One common question homeowners ask is whether garage door spring repairs are covered by their home insurance policy. Understanding your policy and what it covers can save you a lot of trouble in the long run.

In most cases, regular wear and tear on garage door springs is not covered by home insurance. Home insurance policies generally cover unexpected events, such as fire, theft, or storm damage. Since springs wear out gradually through normal use, they are often excluded from coverage. However, it’s always a good idea to check the specific terms of your policy to confirm.

There are some instances when your insurance might cover the cost of repairing or replacing garage door springs. If the springs are damaged due to a covered peril, such as a fire, vandalism, or a fallen tree, your insurance company may step in to help with repairs. Additionally, if the garage door was damaged in a car accident, your auto insurance may offer coverage depending on your policy.

If your springs were damaged in a covered event, the first step is to document the damage. Take photos, gather receipts, and contact your insurance company to start the claims process. In some cases, they may require an inspection or ask you to get quotes from licensed repair companies like Pacific Experts Garage Door Services.

Even though insurance may not cover wear and tear, regular maintenance of your garage door springs can extend their lifespan and prevent sudden failure. Scheduling annual inspections and lubrication can keep your springs in good condition and avoid more expensive repairs down the line. Contact us now to learn more.