Will homeowners insurance cover garage door replacement?

Homeowners insurance will cover garage door replacement if damage was caused by a covered peril listed in your policy, such as windstorm, hail, fire, vandalism, theft, or accidental vehicle impact, but it will not cover replacement due to wear and tear, rust, or mechanical failure. For example, if a severe windstorm blows a tree branch into your garage door denting it beyond repair, or a car accidentally backs into the door, or someone vandalizes the door, dwelling coverage or other structures coverage for detached garage typically pays for replacement minus your deductible, which is usually 500 to 2500 dollars. If damage is due to flood, standard homeowners excludes flood and you need separate flood insurance. If damage is due to gradual deterioration, lack of maintenance, failing springs that are 15 years old, or rust from clogged gutters overflowing water onto door causing corrosion, insurance will deny claim as maintenance issue. If door is old and you want to replace for aesthetic or energy efficiency reasons, insurance does not cover. To make claim, document damage with photos, get written estimates from garage door companies, and report promptly. Insurer may pay actual cash value if door depreciated, or replacement cost if you have replacement cost coverage. Check policy limits and ensure garage door is included in dwelling coverage valuation.