Car Accident with Garage Door – Unrepairable Damage
I accidentally backed my car into the garage door, which didn’t open all the way. The impact damaged the bottom wooden panel, which is original to the house (from 1968), and caused additional issues with the lifting mechanism—ripping one side off its rollers and snapping a wire along with a few parts. The repair company informed me that due to the door’s age and the extent of the damage, it can’t be fixed, as the necessary parts are no longer available.
Since we have a double garage door, any replacement will require both doors to be replaced, and I can’t simply get a duplicate since it’s no longer manufactured.
Although I’ve read that it’s generally best to avoid filing claims for garage doors, I’m considering it in this situation. My deductible is $2,000, but replacement estimates range from $10,000 to $25,000. Do you think the insurance company would cover this? Any advice?
I’m sorry to hear about your garage door situation; that sounds really frustrating! In terms of filing a claim, it’s definitely a tough decision, especially considering your deductible is $2,000 and the replacement costs are much higher. Here are a few things to consider:
Policy Coverage: Check your homeowner’s insurance policy. Some policies do cover accidental damage to structures on your property, which could include your garage door. However, insurance can vary widely in this regard, so it’s essential to read your policy or speak directly to your agent.
Claim Impact: Keep in mind that filing a claim might impact your future premiums. If your insurance has a history of claims, it could potentially elevate your risk profile and lead to higher rates later on.
Repair vs. Replacement: Given the age of your garage door and the fact that it sounds irreparable, you might not have much choice but to replace it. If you decide to file a claim, document everything and get multiple estimates to present to your insurer.
Long-Term Costs: Consider the long-term value of having a new garage door. If the current door is already in poor shape, replacing it might save you from future issues related to maintenance and safety.
Consult with Insurers: If you do decide to file a claim, get in touch with your insurance company first to see if they can provide guidance based on your specific situation. They might also send an adjuster to assess the damage.
Ultimately, it may be worth consulting with a trusted insurance expert to discuss the pros and cons of filing a claim in your particular case. Good luck, and I hope you find a resolution soon!