Whether or not homeowners insurance covers garage doors largely depends on the cause of the damage and the specific policy details.
According to Santa Fe Springs Garage Door, a standard homeowners insurance policy will provide coverage for damage to the garage door itself, as well as any damage to the contents of the garage, caused by a covered peril.
Covered perils typically include things like fire, theft, vandalism, and natural disasters such as windstorms, hail, and lightning strikes. If your garage door is damaged by a covered peril, your homeowners insurance policy may pay for the cost of repairs or replacement, up to the policy limits.
However, if the damage to your garage door is caused by wear and tear, lack of maintenance, or other non-covered perils, it is unlikely that your homeowners insurance will cover the cost of repairs or replacement. In these cases, you will likely be responsible for paying for the repairs out of pocket.
Additionally, some homeowners insurance policies may have exclusions or limitations when it comes to garage doors. For example, if the garage door was not installed properly, or if it is used for a non-residential purpose, it may not be covered by your policy.
It is important to review your homeowners insurance policy carefully and understand the coverage limits and exclusions. If you have questions about your coverage, or if you need to file a claim for damage to your garage door, it is recommended that you contact your insurance company directly to discuss your options.
In conclusion, as stated in Santa Fe Springs Garage Door, homeowners insurance may cover garage doors if the damage is caused by a covered peril, but it is important to review your policy carefully to understand the specific coverage limits and exclusions. Regular maintenance and upkeep of your garage door can help prevent damage and ensure that it is covered in the event of a covered peril.
Santa Fe Springs Garage Door & Gates
11710 Washington Blvd, Santa Fe Springs, CA 90670
562-203-0740