Are garage doors covered under homeowners insurance? - A1 Garage Door Service
As an essential home service provider, we are committed to our normal business hours to best serve you at this important time.


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When getting a home insurance, always check the coverage before signing on the dotted line. Make sure that everything is covered — including your garage door.

A1 Garage Door Service is oftentimes called upon by home insurance companies to repair damaged garage doors because of our reputation as the top garage door repair in the industry. Aside from this, we have earned the trust of most home insurance companies and their clients when it comes to the kind of service that we provide. As such, we are most likely the company that your insurance calls to repair your damaged garage door. If not and you want to be serviced by no other company but the best, just request them to contact us.

How to determine if your garage door is covered in your insurance

Before filing a claim, the first thing to check is your insurance policy. In most home insurance policies, garage doors are part and parcel of the coverage. You just need to check what exactly is the coverage.

Typically, your insurance will cover any damage that you or your family member have made to the garage door. If a third-party is responsible, such as when your neighbour accidentally hit your garage, then that person’s auto-insurance policy will cover the cost for repair or replacement.

In cases of theft and damage, fire or vandalism, your homeowner insurance should be able to cover it.

Note however that intentional damage to your garage door is oftentimes not covered, including certain natural disasters. Also, if you have a garage door that is detached from your house, it pays to check whether or not it is covered.

How to file a claim

Depending on the kind of insurance that you have, filing for a claim may either be easy or quite complicated.

Definitely you will be required to submit documentation in relation to your claim. The required documentation may vary depending on the scenario.

If your claim is relation to a crime, say vandalism or arson, you will typically be required to file a police report. This may also be the case if your claim is related to a vehicle accidentally crashing on your garage door. In other cases, your insurance company may require receipts for repairs made or may send an adjuster to determine the cost of repair.

Some considerations

If your door has been damaged in relation to a theft, it might be worth it to determine how to strengthen the security of your garage door. A1 Garage Door Service has a wide range of garage door openers, keyless entries and remotes to ensure that your garage door is well protected.

If the damage is because of fire, it may be worth it to look into fire retardant materials. Also, if your previous garage door is prone to dents, you may also want to look into other alternatives.

The important thing to note is that A1 Garage Door Service has an array of parts and materials that you may want to consider for your garage door. What’s more, we also provide professional advice for FREE. Just call us at 844-214-2724.

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