The Garage doors are an essential part of the home as they ensure the safety and security of your home. Your house is easily vulnerable to break-ins when the garage door gets damaged. However, the homeowners are often confused if the insurance plan covers the damage or not. There are several elements that can be used to decide if the damage is covered by the insurance or not.
Usually, the damage is caused when they are parking the car. That’s why the homeowners think that the insurance claim won’t be approved. But the chances of getting your claim approved can be improved if you prepare your case wisely. You must get in touch with the Kelly Garage Doors experts to get the insurance claim approved. These professionals know the aspects that can be helpful for getting the claim approved.
In this article, we’ll share the information you can use to file the insurance claim for the damaged garage door. So, if you have any confusion, you’d find the answer here. Here is the information about how you can file the insurance claim for the damaged garage door.
Contact your Insurance Provider
The most important part of filing a claim is to get in touch with your insurance provider as soon as possible. The insurance providers usually ask the homeowners to get an estimate from different garage door repairmen. Once you’ve received estimates from different repairmen, you’d have to call an adjuster to evaluate the damage. In most cases, you can only get your claim approved if you filed the claim right after the incident.
Things to Do
You must immediately take photographs of the garage door so you may submit them as proof. You must prepare the evidence for the inspector right after the incident because different elements will change after some time. Before the claim is accepted, you must avoid making any extensive repairs.
Types of Damages
The garage door requires different types of repairs based on the type of damage. The insurance policy you have will help you decide if the homeowners insurance can cover the damage or not. If the repairing costs were more than the policy you have, you’d have to pay the additional amount. The insurance claim won’t be accepted if the damage is caused due to natural calamities. In this situation, you’d have to cover the damage on your own.