Does my homeowners insurance cover garage door damage?

“Is my garage door covered by my homeowners insurance?” It’s a question the team at All Island gets asked all the time.

The answer is complicated, especially if you have a detached garage door. And while we always refer our customers to their insurance policy when the question comes up, here are some general guidelines to consider.

It may or may not be worth filing an insurance claim for your damaged garage door. If your policy covers garage door damage and subsequent repair (or even if you think it does) and you decide to file a claim, you may have to pay a deductible, Sometimes, the cost of the deductible is high enough that it’s better to pay for the repair out of pocket.

Only some repairs will be covered. Usually, only some types of damage are covered by homeowners insurance. You’ll need to look through your policy or work with your agent to determine if the damage to your garage door is covered by yours.

Does it matter if my garage door is attached or detached for homeowners insurance coverage? Yes. If your garage is separate from your home, it’s generally included in an “other structures” policy. If you don’t have this type of policy (and especially if you want to protect other structures like your pool or fence), it may be worth investing in one.

Our garage doors are guaranteed. All Island carries high-quality garage doors made by top manufacturers that come with excellent warranties.

If you have any questions or do need repairs on your garage door, give us a call.  We would love to assist you in any way we can.