Long Nguyen | author
ICHQ | Site Author
In the past few decades, homeowners insurance products have evolved a great deal to incorporate various elements of property ownership, including detached structures such as garages. However, like any specific insurance policy, you have to know the specifics. For instance, are you compensated if a storm damages your garage door?
This article by our homeowners insurance claim attorneys will examine whether garage doors are covered by home insurance. First, let’s distinguish between normal wear and tear and covered perils.
Understanding Garage Door Coverage Under Homeowners Insurance Coverage
Homeowners insurance typically covers damages caused by specific perils, such as vandalism, theft, fire, and severe weather. While garage door coverage varies based on the insurance provider and policy, most conventional homeowners insurance policies in Louisiana will cover garage door damage caused by covered risks.
- Severe weather: Louisiana is a region famous for its unpredictable weather, including hurricanes, strong winds, and hailstorms. Your homeowner’s insurance policy should cover the repairs or replacements if your garage door sustains damage from severe weather events. However, it is still essential for you to evaluate your policy thoroughly to ensure it includes coverage for these perils.
- Vandalism: If your garage door is vandalized, whether by graffiti or intentional damage, your homeowners insurance policy should cover the repair or replacement costs. It is your responsibility to submit a police report and give documentation of the incident to your insurance provider.
- Damage from vehicles: Homeowners insurance typically covers the necessary repairs or replacements resulting from accidents involving vehicles. Nevertheless, gathering all the necessary evidence, such as photographs and witness statements, is crucial to support your claim.
Does Homeowners Insurance Cover Normal Wear and Tear?
It is important to note that while homeowners insurance covers damage resulting from specific perils, it does not typically cover normal wear and tear.
Garage doors may experience natural deterioration over time due to usage and exposure to the elements. Some normal wear and tear examples include hinges becoming loose, springs wearing out, or panels showing signs of aging. Therefore, make sure you differentiate between covered perils and normal wear and tear when filing a claim with your homeowners insurance.
How Does Homeowners Insurance Treat Detached Garages?
If you have a detached garage, the coverage for garage doors may differ from that of attached garages. Some insurance policies treat detached structures differently. Therefore, specific endorsements or additional coverage may be required to protect your detached garage and its components, including the garage door.
You should review your homeowners insurance policy or consult with your insurance agent to ensure you have adequate coverage for your detached garage.
Contact Our Experienced Homeowners Insurance Claim Attorneys
If you have experienced weather-related damage to your garage door and are unsure whether your homeowners insurance policy covers it, it is crucial to seek professional advice. Our experienced homeowners insurance claim attorneys at Insurance Claim HQ will provide you with the necessary guidance you need to navigate the claims process effectively. Contact our office today to discuss your case and ensure you receive the coverage you deserve.