Help! I backed into my garage door!

Help! I backed into my garage door!

While backing up, you accidentally run into the garage door you just installed. Do you submit the claim to your auto or homeowners insurance carrier? Since it appears that you own the garage, damage to the door will not be covered by your personal auto policy. The ISO form reads:

EXCLUSIONS

  1. We do not provide Liability Coverage for any "insured":
  2. for "property damage" to property owned or being transported by that "insured."

 

However, your homeowners policy will cover this damage, although subject to the policy deductible.

Can a homeowners claim be denied for lack of a building permit?

Can a homeowners claim be denied for lack of a building permit?

Does a Homeowner Need a Workers Compensation Policy for Construction on Their Own Home?

Does a Homeowner Need a Workers Compensation Policy for Construction on Their Own Home?