If you have a homeowners insurance policy in place, damage to your garage doors will be covered. In case the doors break or become damaged by external forces, the policy will kick in to provide this coverage so you can have them repaired.<\/p>\n\n\n\n
In this article, we will take a look at exactly when your garage door will be covered and when it won’t be. We will also discuss which coverages take care of garage door damage depending if a garage is attached or detached. Your garage is an important additional structure because it keeps your vehicles and belongings safe.<\/p>\n\n\n
There are two types of garages that you likely have. One is an attached garage that connects directly to your home, and the other is a detached garage that is actually a separate structure.<\/p>\n\n\n\n
The main types of damage covered by homeowners insurance include these instances:<\/p>\n\n\n\n
These perils can all affect your garage doors, and they are included in your homeowners insurance policy. If your policy covers the type of structure your garage is, then you will be able to file a claim and receive compensation for repairs or replacements. The one difference between an attached and detached garage is the latter might only cover up to 10% of the damages depending on your homeowners insurance policy.<\/p>\n\n\n\n
Damage to garage doors that are not covered will depend on what your homeowners policy lists as an excluded peril.<\/p>\n\n\n\n
If the damage to your garage doors exceeds the need for repairs, you might be looking at a total replacement. The homeowners insurance policy might cover this depending on the cost of the replacement job. Severe damage can lead to extensive repairs. If the cost of these repairs exceeds the cost of a replacement, then the insurance would cover the replacement. They will not opt for paying for a replacement if the repairs do not exceed this cost, though.<\/p>\n\n\n\n
Your detached garage doors will be covered under your homeowners policy as long as this coverage extends to other structures<\/a>. Aside from detached garages, this can also include structures such as sheds, fences, and pools. Before you file a claim, you should make sure you have this coverage in place with your current policy. This will help you protect your garage doors in case an instance occurs.<\/p>\n\n\n\n
Also Read: <\/strong>Does homeowners insurance cover carports?<\/a><\/p>\n\n\n\n
Depending on the type of garage doors you have, this might improve the cost of your home insurance. Those seen as sturdier as also less of a liability and can withstand more damages.<\/p>\n\n\n\n
No matter what type of garage doors you currently have, understanding how your homeowners insurance policy covers these potential damages will ensure you are prepared in case you must file a claim. Homeowners insurance is a very comprehensive policy that protects against many perils and situations.<\/p>\n","protected":false},"excerpt":{"rendered":"
If you have a homeowners insurance policy in place, damage to your garage doors will be covered. In case the doors break or become damaged by external forces, the policy will kick in to provide this coverage so you can have them repaired. In this article, we will take a look at exactly when your … Read more<\/a><\/p>\n","protected":false},"author":3,"featured_media":173975,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"generate_page_header":""},"categories":[66],"tags":[],"ppma_author":[118],"acf":[],"authors":[{"term_id":118,"user_id":3,"is_guest":0,"slug":"kristenn","display_name":"Kristen Nadel","avatar_url":{"url":"https:\/\/homeownersinsurancecover.net\/wp-content\/uploads\/2023\/02\/kristenn-min.jpeg","url2x":"https:\/\/homeownersinsurancecover.net\/wp-content\/uploads\/2023\/02\/kristenn-min.jpeg"},"description":"Kristen Nadel is a writer and self-published author residing in Oklahoma. Her creative spirit and tenacity for excellence allow her to stay inspired. Writing is more than just a task to her; it is a lifelong passion.","first_name":"Kristen","last_name":"Nadel","user_url":""}],"_links":{"self":[{"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/posts\/173955"}],"collection":[{"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/comments?post=173955"}],"version-history":[{"count":0,"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/posts\/173955\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/media\/173975"}],"wp:attachment":[{"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/media?parent=173955"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/categories?post=173955"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/tags?post=173955"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/ppma_author?post=173955"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}