Gates represent significant investments that can be damaged by vehicles, storms, or vandalism. Understanding your insurance coverage before damage occurs helps ensure proper recovery.
Types of Coverage
Homeowners Insurance
- Usually covers "other structures"
- Typically 10% of dwelling coverage
- Subject to deductible
- May exclude certain perils
Auto Insurance
- If your car damages your gate
- Property damage liability
- Collision coverage
Common Covered Scenarios
- Vehicle collision with gate
- Storm damage (wind, falling trees)
- Vandalism
- Theft of components
- Lightning strikes
Typically NOT Covered
- Normal wear and tear
- Maintenance neglect
- Gradual deterioration
- Power surge (without rider)
- Flood damage (separate policy)
Documentation Requirements
Before Damage Occurs
- Photograph your gate installation
- Keep receipts and invoices
- Document model numbers
- Review your policy coverage
After Damage
- Take photos immediately
- Don't dispose of damaged parts
- Get repair estimates
- File police report if applicable
Filing a Claim
- Contact insurance promptly
- Provide documentation
- Get professional damage assessment
- Obtain repair quotes
- Follow up regularly
Repair Estimates
Standard Gate Co provides detailed repair estimates for insurance claims. We work with adjusters to document damage accurately. Call (323) 488-GATE.