Is Your Garage Door Covered Through Your Homeowners Insurance?

It is essential to read through your homeowners insurance policy carefully before signing the dotted line. Insurance policies can have obscure clauses that leave the average homeowner a little confused. If you find the insurance terms of a contract challenging to understand, you should seek professional insight and clarification. One of the essential aspects to review is what the agreement covers or what they can compensate for. Knowing precisely what the insurance provider is offering is crucial as it helps you identify what you can legally and successfully file a claim for.

What Does Homeowners Insurance Cover?

Standard homeowners insurance is a cover provided to protect various assets in your home from damages that you and your family members cause. While packages vary from one company to another, some of the typical coverages in homeowners insurance policies include:

• Loss of use where the coverage pays for the homeowner to stay elsewhere while their home is under repair
• Financial loss caused by catastrophic weather, fire, and explosion
• Aircraft, civil commotion, and vandalism
• Damages from falling objects and weight of snow
• Accidental damages by steam, water, electric currents, HVAC, and plumbing appliances

The policy may provide all or some of these coverages, so it is vital to confirm that it includes the critical areas you need protection for. You should also note that standard homeowners insurance policies do not cover flooding, earthquake, power failure, war, neglect, or intentional loss, so if you live in high-risk areas, you will need to purchase separate coverage.

What About My Garage Door?

Most homeowners insurance coverage includes damages to your garage door. This includes any damage you and your family inflict on the garage door. Most covers also include theft, vandalism, fire and other damages. However, if a third party, such as a neighbor, accidentally runs over your garage door, their auto insurance will cover such losses. If you are not sure whether the insurance policy covers your garage door, go through it once more. This is particularly crucial before filing a claim. You will also require full documentation to describe the events that led to the damages chronologically.

At Corkhill Insurance, we understand the need to protect all assets in your home, including the garage. Our homeowner policies cover damages to your garage door, windows, walls, roof, appliances and several other areas. To get a full scope of your coverage, upgrade your policy, or get a free quote, contact the professionals at Corkhill Insurance today at 407-898-8891.