Your standard opener has enough power to lift a load of around 350 lb.
Someone ran into my garage door.
Will collision insurance cover all the damage.
The situation should be taken seriously.
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.
You ll need to check your specific policy to see what they cover.
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.
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.
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.
They can then send the copied signal to your garage door opener and open the door.
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.
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.
In fact many people crash into their garage doors in the winter after sliding on ice.
3 most standard homeowner s policies explicitly list vehicles among those damage causing hazards covered.
Liability really comes down to proof.
Garage door professionals say homeowners driving or backing into their garage doors happens all the time.
Collision coverage on your car insurance policy will cover the damage to the car and homeowner s insurance will cover damage to the garage door.
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 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.
Hackers can use a code grabber device to intercept and copy the signal from your old garage door remote.
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.
Most of the time when a person wrecks their garage door it s the bottom section that that gets hit.
A family member pulls into the driveway crashes into the garage door and wrecks it.
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.
However the only way to get a legal resolution would be for someone to file suit.
