The garage door is one of the most important components of your property. It plays an important role in shielding you and your belongings from theft and the elements. Damage to the garage door is a serious inconvenience and a security risk to your entire family. That is why you need a professional garage door repair company to fix the issue immediately. There are hundreds of garage door repair services in Encino CA. Make sure you pick a reliable contractor in Encino CA to work on your garage door. This article provides information on how to use your insurance to repair your garage door in Encino CA.
Even though it may seem logical that your garage door is automatically covered by your homeowner insurance, you should contact the local insurance provider to check out what type of damages are covered by your policy. Usually, the homeowner’s policy offers protection against a list of perils to the garage door such as wind, fire, lightning, hail damage, and many other perils. You may find an extended list of such perils in your policy document. But the garage door may not be covered for wear and tear, mechanical failures, or any other peril that is not listed in your policy document.
If your garage door has been hit by an identified vehicle, the damage is usually covered by the vehicle’s liability insurance. But if the vehicle isn’t identified, coverage may be offered by your home insurance policy. But such a coverage might be subject to the applicable deductible. It is important that you check with your home insurance provider before approaching a garage door repair service in Encino CA. On the other hand, before you decide to move anything or do any repairs to the garage door, it is important that you take photos of the accident or damage to the garage door.
In the event of a damage that is covered by your home insurance policy, contact your insurance provider immediately. The insurance provider will tell you to get in touch with a professional garage door repair service in Encino CA and get an estimate. The next step is to arrange for the adjuster to visit your property and evaluate the extent of the damage to the garage door. You shouldn’t put off reporting the damage to the insurance provider since most policies have time limits between the incident of damage and filing the claim. It is important that you don’t make any efforts to repair anything until your claim is accepted by the insurance provider.
You should always weigh the cost of the repair against the amount of deductibles as well as potentially elevated insurance premiums before deciding to repair the garage door using your home insurance coverage. That is why it is not worth filing a claim for an inexpensive repair to the garage door. These are important things to consider when repairing your garage door with your home insurance coverage.
The garage door is an important component in your home. The aforementioned article provides information on how to use your insurance to repair your garage door in Encino CA.