Have you broken the garage door? Does your garage door have some damage to it? Most homeowners with a garage door have experienced issues at some point. Whether that is just normal wear and tear or if it’s because of an accident. Either way, you’re left searching for answers on what to do next. One of the most common methods used by homeowners when faced with this problem is to contact their insurance agent. But does homeowners insurance cover garage door repair?
Find Out If You’re Covered
When it comes down to it, homeowners have two options when dealing with a damaged garage door. They can either attempt to pay for all of the damages out of pocket or they can contact their insurance company for assistance with filing a claim. The latter would be recommended if you’re interested in saving money or if you don’t have the extra cash to pay for the damages.
Take a Close Look at The Policy
The first thing you will want to do is look at your policy. It’s important that you understand what is and isn’t covered. For example, insurance policies may cover accidents like broken springs or bent panels but it doesn’t include regular wear and tear on the door. And sometimes it may even depend on which part of the country the home resides in.
Call Your Insurance Agent
You should contact your insurance agent right away. This person will give you suggestions on what to do next and will help you file the claim. Insurance policies often determine whether or not they plan on covering it based on a number of factors. Another common stipulation is that the damage must be caused by a direct act of nature, such as extreme wind or hail storm.
Figure out Your Coverage Limits
Your agent will help you discover your coverage limits. This is how much money the insurance company thinks it should be responsible for so they can help you pay for repairs or a replacement. Contacting them as soon as possible is a good idea because that means the claim will go through quickly and then everything can be fixed before too much damage has been done.
Bonus Tip: Avoid Making Claims On Normal Wear And Tear
It’s important to avoid filing claims for normal wear and tear because this falls under maintenance costs which aren’t covered under most policies. The insurer may only agree to cover these damages if more than one spring were to break and you need a new door. But if that’s not the case then you are responsible for all of these costs on your own.
Contact Pacific Experts Garage Door
If you have any questions about whether or not homeowners insurance covers garage door repair, don’t hesitate to call the professionals at Pacific Experts Garage Door. We can help give you some insight based on our expertise in these specific areas.