A garage door is way more than a mere door to your garage. It adds to the property’s curb appeal and security. The right tailormade door enhances your property’s value, boosts its safety and security aspects and adds to the overall aesthetic value of the property. Matching the garage door style with that of the home’s overall structure ensures a cohesive and eye-catching look. Have you ever wondered whether your home insurance policy protects this door? Will the insurance provider fully cover the cost if anything happens to it? Or will it be your responsibility to deal with the matter?
Unless you are fully aware of the intricacies of the insurance policy, like when to file a claim, what falls under the claim, and how the coverage differs regarding attached and detached garages – you will never know what you are getting into.
Should you undergo the hassle of filing a claim for your garage door repair?
Depending on your home insurance policy, filing a claim for professional Garage Door Repair in Kansas city MO, would be wise. It is best to file the claim early on. In this case, the garage door supplier you hired to install the door can help you. They know the ins and outs of this industry. They have dealt with numerous scenarios where a homeowner had filed a claim and had taken their assistance to understand the matter better.
What damages are covered by the insurance policy? How can a garage door supplier help?
As you probe deeper into this matter, you will find that damage is a wide-encompassing term under which many factors are involved. It is here that the garage door supplier will help clear your confusion and answer your queries. This way, when you contact the insurance agent, you will be better equipped to handle the matter. You will have answers to the points raised by the agents. Ideally, there are four broad categories of damage:
- Damage caused by vehicle: Failing to park the car properly inside the garage can cause it to get damaged. Ideally, it is accidental, but you have damaged the door. You have to get it fixed. If your guest hits the garage door and causes damage, then their insurance coverage will pay the claim.
- Damage due to natural disasters:No one knows when a natural disaster might strike, but when it does, the damage is significant and quite harrowing. However, the coverage provided by the insurance policy varies depending on the type of disaster. Read the document carefully before signing.
- Fire damage to the door:In case of a fire outbreak, you can claim for the damage caused. But you have to prove that it was an unintentional one or it was a sudden outbreak. If it is proved that it happened because of your negligence, you cannot claim the insurance.
- Vandalism and break-ins:Your garage is an extension of your property. If it is broken into or vandalized, you can file a claim.
Damages that don’t fall under the insurance policy:
Knowing what does not fall under the insurance policy will help you better prepare for it. Here’s a list of the damage that is not covered by the policy:
- Floods, wildfires and earthquakes,
- Intentional damage,
- General wear and tear.
Final words:
Knowing whether professional garage door repair is covered under insurance will give you a clear understanding of the matter, and you will be better prepared to deal with it. Collect all possible information before you take any further step.
