Is damage to the garage door covered by insurance?

 For many businesses and organizations, garages are used to protect their valuables and store them in a safe place. These garages are often giant and require heavy wide garage doors to allow for the movement of goods in and out of the storage.

 

Garage Door Damage and Repair

Often these garages have various industrial machinery being used to transport goods from different locations to the storage or vice versa. This sometimes leads to damage that requires commercial garage door repair services to be called for a quick fix not to delay any movement processes that may hinder the business from running smoothly.


Commercial garage doors are much heavier and require more work as well as costs for installments and replacements. Commercial garage door repair often needs to be done when a maintenance check calls for it or when some untoward damage has occurred. These problems can range from misaligned, dented, or damaged tracks to broken cable drums and cables. Broken or debris-covered rollers can also prevent the garage doors from functioning smoothly. Torsion and extension springs should be checked for wear and tear and may require commercial garage door repair services if the damage is seemingly bad. The garage door sections or panels should also be checked for any dents or damage easily fixed during the commercial garage door repair and maintenance check.

 

Garage Door Damage and Insurance

Since garage doors are a massive part of the safety and security of your home and your valuable possessions, severe damage to your garage door is a liability more than it is a mere inconvenience. This makes it a viable candidate for the homeowner's loan that reimburses you for any severe damage that has been done to your home and belongings. Sometimes the damage is easier to cover by one's expenses. Still, any severe injury that you think will be too expensive to protect by yourself should make you consider the option of claiming your insurance.

 

One must be mindful that making a damage claim on your insurance is a surefire way of hiking up your insurance premium, so it must be considered only in a case of dire need and when it is an option that would seem to be beneficial to the homeowner. You must also be aware of what has been mentioned in your insurance policy and discuss the details of the claim with them before making any rash decisions that may hurt your financial status in the future. If your garage is attached to your home, you can be assured that the homeowner's insurance can cover the damage as it is part and parcel of your home. On the other hand, if you own a detached garage, check your policy to see if it covers 'other structures on your property, which can include your detached garage as a part of your insured property.

 

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