Some of you may be wondering whether the operation of replacing your faulty garage doors – an incredibly vital choice for both safety and convenience – will be covered by your homeowner’s insurance. While it’s a necessity to hire professional garage door repair and garage door maintenance technicians, like those at Garage Door Chicago, you can reap major financial advantages if this service is fully or partially covered by your Homeowner’s Insurance; here’s a guide to the nitty gritty details.
Home Insurance Garage Door Repair Coverage Scenarios
Vehicle Based Garage Door Damages
If yourself or a family member accidentally backs or drives into the garage door, causing damage to it, the majority of homeowners insurance policies will cover this incident. It’s a smart practice to check your individual policy to verify the coverage. In contexts in which somebody else (not you or a member of your family) damages your garage door by driving into it, it will likely be covered by their automotive liability insurance.
Natural Disaster Based Garage Door Damages
If hail, rainwater, or debris blown around by the wind damages your garage door, your homeowner’s insurance will likely cover a chunk of the necessary repair costs. It’s imperative to closely examine your insurance policy, as some policies don’t cover specific types of natural disasters like floods or earthquakes – so it’s best to verify if you have a special policy that will cover you in these unfortunate scenarios.
Vandalism Based Garage Door Damages
If your garage door is damaged through malicious criminal mischief – which includes every type of vandalism like graffiti, broken windows, or even egging or paint-balloon throwing, it’s highly likely that your garage door repair costs will be covered by your homeowner’s insurance. This applies for any sort of garage door damage caused by others for malicious or mischievous reasons.
Normal Wear and Tear Garage Door Damages
It’s not likely that your homeowner’s insurance will cover the repair costs of garage door damages associated with the normal wear and tear that garage doors experience over their lifespans. This includes spring degradation and replacement costs, door misalignment, or issues with insulation. The best bang for your buck approach in dealing with these sort of issues is to contact the garage door repair and garage door maintenance experts at Garage Doors Chicago for instant and budget-friendly solutions.
