The garage is often an overlooked area of the home as far as it comes to maintenance. Many homeowners will focus on the rest of the home and not pay much attention to the garage until something happens.
If you need a garage door repair, things can get complicated and you’ll have a lot of questions.
Will your insurance cover it? Will you need to pay out of pocket? How expensive will garage door repairs cost? These are all
common questions homeowners have when a repair is needed.
Types of Repairs
There are different types of repairs that a garage door expert is accustomed to seeing. Some of these include:
- Broken garage door spring
- Broken cables
- Track problems
- Misaligned sensors
- Broken glass
- Noisy door
- Rollers and hinge
- Bad circuit boards
Although some may be inexpensive, other repairs can cost you a pretty penny. You should look at your options as costs will also be affected by the kind of door you have. Some materials may be on the higher end and that comes with a higher price tag. You should also consider payment options such as whether or not you should go through your homeowner’s insurance or pay out of pocket.
How Much Does a Repair Cost?
Garage door repairs can be quite inexpensive or costly depending on the type of repair that is needed. The most common repairs are locks, sensors, tracks, door openers, springs, and cables. These can cost a few hundred dollars to fix. Some of the pricier repairs can include a panel replacement or things like a torsion spring or cable repairs.
You should get a professional opinion when you need garage door repairs as it can be a dangerous situation if something goes wrong.
Homeowners Insurance And Repairs
You pay for homeowners insurance yearly and when something happens to your home you wonder if your insurance will cover any repairs at all. Garage door repairs can be a gray area for homeowners and their insurance carriers.
Standard policies will protect your home and the items inside of it. You will be reimbursed for any costs associated with repairing or replacing things within the home.
You must keep in mind that homeowners insurance covers your home, other structures on your property, damages to other people’s property, and the personal property in and around your home.
So the answer to whether or not your homeowner’s insurance covers your garage door is yes. There are of course specifics you will need to discuss with your insurance carrier to determine what exactly is covered under your policy. Even with your policy covering the costs filing a claim may raise your insurance premium.
There is a gray area when it comes to garage door repairs for detached garages. Technically since it is detached it is not part of your home. However, if your policy covers other structures on your property your garage door repair may be covered.
Schedule Service for Your Garage Door Today With Door-Mart™
A garage door repair has no set price and can be a bit confusing without the help of a garage door expert. When you want the professional opinion of said expert, Contact Door-Mart™ Garage Doors at 1-800-829-9833 or fill out our online form.
