Accidents can happen to any homeowner. Sometimes even a sturdy door can be damaged in the process. You will want to know whether your homeowner’s insurance policy covers the damages so that you can replace it. Here are some things that you need to know before you file a claim.
Make Sure it is Covered by the Policy
You will need to read your insurance policy carefully before filing a claim. Damage to doors is usually covered, but there are often a few exceptions such as:
- Damage that was clearly intentional or the result of homeowner negligence.
- Damage to a door that isn’t part of your main property may not be covered. You will need to find out if your policy covers adjoining units such as your garage or self-containing units.
- Most policies don’t cover damage from natural disasters. You would need to purchase flood or natural disaster insurance to get coverage for them.
It is important to read your policy carefully before filing a claim. If you haven’t already suffered from an accident then you may want to update your policy if you are concerned.
Size of Your Deductible
You need to also consider the size of your deductible before you file a claim. Your insurer won’t cover anything if the cost of the damage is less than the deductible.
The average deductible on a homeowner’s insurance policy is $300. Most doors cost about twice that. You will also have to factor for the contractor’s time if they are going to be installing it for you. A typical contractor may charge $150-300 to install a new door.
The average homeowner’s insurance policy will cover the cost of replacing your door. However, if you have a deductible over $1,000 then it may not cover anything.
What Do You Need When Filing a Claim?
You will need a number of documents when filing a claim. Make sure that you have the following records on file:
- A police report if the door was damaged by vandalism or a fire.
- Receipts for any necessary repairs or the new door that you purchased.
- Paperwork on the appraised value of the door if you haven’t already replaced it.
- Copy of your insurance agreement.
Your insurance company won’t pay anything until they can verify that the door was damaged and what the replacement cost will be. You will need to submit as much paperwork as possible to make their job easier.
Consider the Complications
Your insurance policy may cover the cost of replacing your door. However, you need to consider the drawbacks before filing a claim. Here are some things you should consider first.
Most insurance companies will charge higher premiums after you file a claim. You will need to decide whether it is worth the higher costs in the future.
Waiting for Reimbursement
You will probably need to wait a few weeks before you are reimbursed for your claim. It will still be worth filing a claim if the numbers work in your favor, but you can’t count on the money being there right away when you need to buy a new door or pay the contractor to install it.
About the author: Kalen shares tips about home improvement. He suggests that you visit Knobbery to get started.