Someone Ran Into My Garage Door

A typical standard homeowner s policy protects the policyholder for damages to their dwelling and connected structures like a garage caused by such hazards as fire smoke theft vandalism windstorm and other things including vehicles.

Someone ran into my garage door.

Most of the time when a person wrecks their garage door it s the bottom section that that gets hit. Garage door professionals say homeowners driving or backing into their garage doors happens all the time. In fact many people crash into their garage doors in the winter after sliding on ice. Even if your door appears to be functioning properly it s still wise to have it inspected in case there are any underlying issues that should be addressed.

Hackers can use a code grabber device to intercept and copy the signal from your old garage door remote. 3 most standard homeowner s policies explicitly list vehicles among those damage causing hazards covered. They can then send the copied signal to your garage door opener and open the door. The garage door is probably the largest moving part of your property so your first step should be to call a professional garage door technician to assess the damage.

Now i want to recover the cost from the tenant. And if you ve had an electric garage door opener installed it s likely that the door will still be able to lift almost completely. Remember liability insurance on any type of insurance policy does not cover damage you cause to your own property and collision insurance only covers your car. If you rent your home and run into the garage door of your rental home then you have damaged the property of your landlord so he would file a claim against your auto insurance liability policy.

The situation should be taken seriously. I contracted with a local shop to replace the door at my expense because i didn t trust the tenant to replace the door to my satisfaction. You ll need to check your specific policy to see what they cover. A person is more likely to have garage door damage covered under their homeowners insurance policy than their comprehensive car insurance even if they drove the car they owned into the garage door of the house they owned.

A tenant who is on a month to month leaserecently drove his car into the garage door on my rental property causing irreparable damage to the door. We get calls about once a week from someone who backed into their garage says jon jacobs owner of sound door services in renton washington. Will collision insurance cover all the damage. This is no different from driving into any other home s garage door.

If someone has run into your garage door don t panic but don t brush it off either. Liability really comes down to proof. Your standard opener has enough power to lift a load of around 350 lb. If the landlord has a video of who caused the damage or if the dent in the garage door happens to line up with your bumper or match the paint on your car the more likely you are to be found at fault.