The sight of the garage door is a fright to behold. The drunk uncle crashed into it last night, apparently forgetting how to use the brakes. Or perhaps a severe windstorm hurled a big tree limb into the door. Any number of things can damage a garage door to the extent that full replacement is needed. Will the owner’s home insurance cover the cost of New Garage Doors in Minneapolis MN?
Insurance and Detached Buildings
The policyholder and the agent should have made sure when initiating the policy that the insurance includes any detached buildings on the property. That’s the first point to determine if the garage is not attached to the house.
Weather Events
Insurance generally covers weather events that occur in Minneapolis, with flooding being an exception unless there is a special rider. Thus, serious damage to garage doors caused by flying branches at high wind velocities should be covered. A branch can punch right through certain kinds of materials, creating the need for installation of New Garage Doors in Minneapolis MN.
Hail also can cause so many dents in a garage door that it should be replaced or the beauty of the home is marred. It’s not typical for hail to only hit a garage door, so there may be dents in siding or other parts of the structure as well.
Crashing Into the Door
If the door is destroyed by someone driving into it, the homeowners insurance should cover the replacement if the policyholder was the driver. This happens more often than somebody might think. People have been known to back into their closed doors or experience brake failure while heading down the driveway toward the building. If someone else causes the problem, that person technically is liable.
Homeowners typically want garage doors replaced as soon as possible when these types of events occur. Security is compromised and the aesthetics are unpleasant. In a worst-case scenario, a car may be trapped behind the door or may also have been damaged. Once the owner is ready to proceed, setting an appointment with a contractor such as AA Garage Door can be done promptly. Visit the site for details on this particular company.
