Did you run into your garage door on accident? Or maybe a tree fell onto it? Whatever the case, the damage may be reimbursable by your insurance company.
Here’s an easy to reference list of what may be reimbursable and which insurance company will do it:
1) A natural disaster damaged your garage door.
Your homeowner’s insurance normally covers weather disasters like storms, falling trees, and hurricanes.
2) Your garage was damaged by someone else’s vehicle
This is the responsibility of the other party’s car insurance. If they were uninsured or left the scene, your homeowner’s insurance may be able to pick up the tab.
3) You crashed into your own garage.
Oops. Things happen – don’t worry. In this case, your car insurance probably won’t cover the damage unless you have some form of comprehensive coverage. This one will generally fall under your homeowner’s insurance, but try checking both.
4) Someone vandalized your garage door.
Coming home to a vandalized home can be a frustrating experience. Fortunately, vandalism is normally covered by most homeowner policies.
5) Broken garage door parts and other malfunctions.
A garage door that is old, has worn parts, or just breaks down probably won’t be covered. Repairs are a normal part of being a homeowner and your insurance most likely won’t pay for things that simple break. However, it wouldn’t hurt to give them a call and explain your situation.