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Daycare Center and Family Home Forum>DCM Ran Into My Garage Door
mrsp'slilpeeps 11:14 AM 12-18-2013
She pulled into my driveway and forgot to put her van in park, turned around to talk to DCB and took her foot off the brake and blam right into the door. Now it wont stay closed.
Hubby called a garage door company in town and said it will cost $800 to replace the 2 bent panels or $1500 to just replace the whole door.
My husband wants the whole door replaced. Im not sure how to tell her this. She said she would pay to have it fixed, im not sure she will for a new door.
WWYD?
Hubby called a garage door company in town and said it will cost $800 to replace the 2 bent panels or $1500 to just replace the whole door.
My husband wants the whole door replaced. Im not sure how to tell her this. She said she would pay to have it fixed, im not sure she will for a new door.
WWYD?
Luna 11:18 AM 12-18-2013
I would call a couple more places and see if they have a better price. If hubby wants it replaced you could let DCM pay the cost of repairs and pay the difference yourself.
itlw8 11:18 AM 12-18-2013
depending on how old the door is they may not be able to match it. Also it may have faded. If it it can be fixed nicely I would do that but it it does not exactly match I would want a new door.
Dh did that and replaced the panel himself . It was not hard to bo and matched nicely. But was still expensive.
Dh did that and replaced the panel himself . It was not hard to bo and matched nicely. But was still expensive.
itlw8 11:19 AM 12-18-2013
Originally Posted by Luna:
I would call a couple more places and see if they have a better price. If hubby wants it replaced you could let DCM pay the cost of repairs and pay the difference yourself.
It has to be the same brand to match unless it is replaced. Will her auto ins pay for it?I would call a couple more places and see if they have a better price. If hubby wants it replaced you could let DCM pay the cost of repairs and pay the difference yourself.
Lucy 11:20 AM 12-18-2013
Check with your homeowners insurance and see how much you can get there. I really wouldn't charge her more than the $800. Any upgrade to that is your call. What a bummer, though. It's an awkward situation, I'm sure!
MissAnn 11:21 AM 12-18-2013
Originally Posted by mrsp'slilpeeps:
She pulled into my driveway and forgot to put her van in park, turned around to talk to DCB and took her foot off the brake and blam right into the door. Now it wont stay closed.
Hubby called a garage door company in town and said it will cost $800 to replace the 2 bent panels or $1500 to just replace the whole door.
My husband wants the whole door replaced. Im not sure how to tell her this. She said she would pay to have it fixed, im not sure she will for a new door.
WWYD?
My DH is a garage door installer.....too bad you live so far away. Won't your insurance pay? Didn't DCM offer to pay? I would!She pulled into my driveway and forgot to put her van in park, turned around to talk to DCB and took her foot off the brake and blam right into the door. Now it wont stay closed.
Hubby called a garage door company in town and said it will cost $800 to replace the 2 bent panels or $1500 to just replace the whole door.
My husband wants the whole door replaced. Im not sure how to tell her this. She said she would pay to have it fixed, im not sure she will for a new door.
WWYD?
Lucy 11:25 AM 12-18-2013
Originally Posted by itlw8:
It has to be the same brand to match unless it is replaced. Will her auto ins pay for it?
Oh yes, that too. I had thought of your homeowners, but maybe her car ins might be better to check with first. It should be under her "property damage" coverage.It has to be the same brand to match unless it is replaced. Will her auto ins pay for it?
Blackcat31 11:32 AM 12-18-2013
I would either have the DCM claim it on her auto insurance or have her pay your home owners deductible.
I do not think it's right though to have her pay for an entire door replacement if only part of it requires repairing.
If it's not possible to repair and you HAVE to replace, that is different but I don't think you should be able to just decide to get a new door and charge her for it all.
I do not think it's right though to have her pay for an entire door replacement if only part of it requires repairing.
If it's not possible to repair and you HAVE to replace, that is different but I don't think you should be able to just decide to get a new door and charge her for it all.
dalman 11:33 AM 12-18-2013
I wouldn't submit it to my homeowners insurance, because any kind of a claim, unless an act of God, is going to affect your insurance rates. DCM did it, she needs to handle the payment for it, not your insurance. I would only charge her what it would cost to get it back in its condition before she hit it. It DH wants a new door, that's fine, but you should pay the difference. It might not be a bad idea, cause half of the cost will be covered by DCM. Just my opinion.
MissAnn 11:36 AM 12-18-2013
If you know of a garage door installer, he might be able to do side work to help with the cost. Also, many have spare sections from doors taken down. My husband has helped people this way. We have a shed with some spare parts stored in it.
Heidi 11:37 AM 12-18-2013
Personally, I would call your insurance agent and let them handle it. They will most likely go after mom's insurance, but that's their job to deal with. Mom should then cover any deductible out of pocket.
MissAnn 11:41 AM 12-18-2013
What do you mean by.....it won't stay closed? Is it a problem with the electic eye that may be out of alignment?
Blackcat31 11:42 AM 12-18-2013
Originally Posted by dalman:
I wouldn't submit it to my homeowners insurance, because any kind of a claim, unless an act of God, is going to affect your insurance rates. DCM did it, she needs to handle the payment for it, not your insurance. I would only charge her what it would cost to get it back in its condition before she hit it. It DH wants a new door, that's fine, but you should pay the difference. It might not be a bad idea, cause half of the cost will be covered by DCM. Just my opinion.
That depends on your insurance company. I wouldn't submit it to my homeowners insurance, because any kind of a claim, unless an act of God, is going to affect your insurance rates. DCM did it, she needs to handle the payment for it, not your insurance. I would only charge her what it would cost to get it back in its condition before she hit it. It DH wants a new door, that's fine, but you should pay the difference. It might not be a bad idea, cause half of the cost will be covered by DCM. Just my opinion.
I filed a claim for some thing similar that happened at my daycare because of a daycare parent and my rates never changed.
We also had a water leak a while back that we filed a claim on too (so that's two claims in 18 months) and my rates have not changed.
daycarediva 11:51 AM 12-18-2013
Originally Posted by Luna:
I would call a couple more places and see if they have a better price. If hubby wants it replaced you could let DCM pay the cost of repairs and pay the difference yourself.
This is a great solution! I would call a couple more places and see if they have a better price. If hubby wants it replaced you could let DCM pay the cost of repairs and pay the difference yourself.
Originally Posted by Blackcat31:
I would either have the DCM claim it on her auto insurance or have her pay your home owners deductible.
I do not think it's right though to have her pay for an entire door replacement if only part of it requires repairing.
If it's not possible to repair and you HAVE to replace, that is different but I don't think you should be able to just decide to get a new door and charge her for it all.
This is what I would do, get Mom to claim it on her ins, if that's not possible or they won't cover it, I would have her pay my deductible.I would either have the DCM claim it on her auto insurance or have her pay your home owners deductible.
I do not think it's right though to have her pay for an entire door replacement if only part of it requires repairing.
If it's not possible to repair and you HAVE to replace, that is different but I don't think you should be able to just decide to get a new door and charge her for it all.
MarinaVanessa 12:08 PM 12-18-2013
Originally Posted by mrsp'slilpeeps:
She pulled into my driveway and forgot to put her van in park, turned around to talk to DCB and took her foot off the brake and blam right into the door. Now it wont stay closed.
Hubby called a garage door company in town and said it will cost $800 to replace the 2 bent panels or $1500 to just replace the whole door.
My husband wants the whole door replaced. Im not sure how to tell her this. She said she would pay to have it fixed, im not sure she will for a new door.
WWYD?
Getting your whole garage door replaced is a decision that you and your DH can make however if repairing the garage door means that only two panels need to be changed out then have DCP pay the $800 for the panels and you and DH can pay the remaining balance to have the rest of the door replaced for the new one.She pulled into my driveway and forgot to put her van in park, turned around to talk to DCB and took her foot off the brake and blam right into the door. Now it wont stay closed.
Hubby called a garage door company in town and said it will cost $800 to replace the 2 bent panels or $1500 to just replace the whole door.
My husband wants the whole door replaced. Im not sure how to tell her this. She said she would pay to have it fixed, im not sure she will for a new door.
WWYD?
DCP didn't damage the entire door, just two panels and I don't feel it's right to have them pay for a brand new garage door. I do think that you should be compensated for her damages but the rest I think that you should be responsible for.
If by hitting your garage door she not only wrecked the two panels but scratched up and dinged other panels and any part of the mechanical parts of the door then make sure that these are also factored in to what they owe.
A good way to think about it is ... if you had to take her to court what would the court likely give you? Would they award you the amount for a brand new door or would they award you the cost of getting your garage door back to where it was before and making you whole?
christine19720 12:12 PM 12-18-2013
Did DCM offer to fix the damaged door?
mrsp'slilpeeps 12:35 PM 12-18-2013
My garage door is 13 yrs old. If we replace only the 2 panels they wont match.
I am not putting this on my insurance, my rates will go up.
She can but it will take months to get it fixed.
The lasers are aligned correctly, the bottom of the door is blocking the beam.
I am not putting this on my insurance, my rates will go up.
She can but it will take months to get it fixed.
The lasers are aligned correctly, the bottom of the door is blocking the beam.
EntropyControlSpecialist 12:36 PM 12-18-2013
Originally Posted by Luna:
I would call a couple more places and see if they have a better price. If hubby wants it replaced you could let DCM pay the cost of repairs and pay the difference yourself.
This is what I would do.I would call a couple more places and see if they have a better price. If hubby wants it replaced you could let DCM pay the cost of repairs and pay the difference yourself.
Unregistered 12:41 PM 12-18-2013
DCM's auto insurance should pay for this...
Unregistered 12:42 PM 12-18-2013
Originally Posted by mrsp'slilpeeps:
She pulled into my driveway and forgot to put her van in park, turned around to talk to DCB and took her foot off the brake and blam right into the door. Now it wont stay closed.
Hubby called a garage door company in town and said it will cost $800 to replace the 2 bent panels or $1500 to just replace the whole door.
My husband wants the whole door replaced. Im not sure how to tell her this. She said she would pay to have it fixed, im not sure she will for a new door.
WWYD?
I have it in my policies : do no park in the neighbors driveway or mine .She pulled into my driveway and forgot to put her van in park, turned around to talk to DCB and took her foot off the brake and blam right into the door. Now it wont stay closed.
Hubby called a garage door company in town and said it will cost $800 to replace the 2 bent panels or $1500 to just replace the whole door.
My husband wants the whole door replaced. Im not sure how to tell her this. She said she would pay to have it fixed, im not sure she will for a new door.
WWYD?
originalkat 12:45 PM 12-18-2013
Originally Posted by Luna:
I would call a couple more places and see if they have a better price. If hubby wants it replaced you could let DCM pay the cost of repairs and pay the difference yourself.
I would call a couple more places and see if they have a better price. If hubby wants it replaced you could let DCM pay the cost of repairs and pay the difference yourself.
Yep, this seems fair to me as well.
Blackcat31 12:45 PM 12-18-2013
Originally Posted by mrsp'slilpeeps:
My garage door is 13 yrs old. If we replace only the 2 panels they wont match.
I am not putting this on my insurance, my rates will go up.
She can but it will take months to get it fixed.
The lasers are aligned correctly, the bottom of the door is blocking the beam.
Even more of a reason why it isn't right to make DCM pay for a whole new door. My garage door is 13 yrs old. If we replace only the 2 panels they wont match.
I am not putting this on my insurance, my rates will go up.
She can but it will take months to get it fixed.
The lasers are aligned correctly, the bottom of the door is blocking the beam.
The court system would give you it's value AS IS NOW.
More than likely the courts would require you to show more than one estimate for repair costs and then go with something in the middle.
Unfortunately insurance IS slow sometimes to pay out but that seems to be your only recourse, unless DCM simply pays out of pocket for the repair.
This would be like being in a car accident with a 13 yr old car and saying instead of repairs you want a brand new car. I doubt anyone would be ok with that.
I'm sorry this happened to you though. I've been there too...it does suck but it's just one of those risks we have to put up with since we open our homes and our property to others.
Great Beginnings 01:55 PM 12-18-2013
If it's 13 years old it wasn't far from needing to be replaced anyway. I don't think it's right to have them pay for a entire new door if it can be fixed and insurance can pay for it. It seems like you have to options that are fair. Wait for the insurance company, even if it's going to take some time or have parent pay the $800 and you pay the $700 left. It's deductable on your taxes anyway 
nanglgrl 01:58 PM 12-18-2013
Definitely don't make a claim with your insurance. We had 3 acts if god (2 hail and one wind storm that uprooted mature trees) all in one year. They paid out less than we paid on that year but still dropped us at the end of the year and it was near impossible to find other insurance. Two of my neighbors are insurance agents and they said unless the damage is $5000 or above not to report it because if you have more than one in a year they will probably drop you.
Mister Sir Husband 02:10 PM 12-18-2013
Doesn't sound too difficult to me.. if I drove my car into a building, either myself or the owner of the building would have the police stop by and fill out a report, then I would call my car insurance company and tell them what I did. They would send a guy right over and hand the building owner a nice check. Now if she didn't do this, I would gladly accept money directly from her to fix it, but it would have to be within a day or two.
Meeko 03:52 PM 12-18-2013
I used to use a manufactured home as my daycare.
One time, the neighbor's kid drove their car into the side of the building, destroying a couple of skirting panels.
Their car insurance paid. When the repair people came out to give an estimate, they said the skirting panels weren't made anymore. That would mean two odd ones. Would have looked awful. So the insurance replaced the entire skirting...all the way around the building...so it matched again. They were actually happy to do it...told us that we did not have to accept an ugly patch job.
Something that looks WORSE than it did before is not acceptable even if it's old.
One time, the neighbor's kid drove their car into the side of the building, destroying a couple of skirting panels.
Their car insurance paid. When the repair people came out to give an estimate, they said the skirting panels weren't made anymore. That would mean two odd ones. Would have looked awful. So the insurance replaced the entire skirting...all the way around the building...so it matched again. They were actually happy to do it...told us that we did not have to accept an ugly patch job.
Something that looks WORSE than it did before is not acceptable even if it's old.
MyAngels 04:09 PM 12-18-2013
Originally Posted by Meeko:
I used to use a manufactured home as my daycare.
One time, the neighbor's kid drove their car into the side of the building, destroying a couple of skirting panels.
Their car insurance paid. When the repair people came out to give an estimate, they said the skirting panels weren't made anymore. That would mean two odd ones. Would have looked awful. So the insurance replaced the entire skirting...all the way around the building...so it matched again. They were actually happy to do it...told us that we did not have to accept an ugly patch job.
Something that looks WORSE than it did before is not acceptable even if it's old.
This is what I was thinking, too. The insurance company can't make you accept a patch job that leaves your door looking bad. It's not your fault that the door is older. It's her responsibility to make you whole again, which means having a garage door that is both functional and at least as attractive as it was before her damage. I used to use a manufactured home as my daycare.
One time, the neighbor's kid drove their car into the side of the building, destroying a couple of skirting panels.
Their car insurance paid. When the repair people came out to give an estimate, they said the skirting panels weren't made anymore. That would mean two odd ones. Would have looked awful. So the insurance replaced the entire skirting...all the way around the building...so it matched again. They were actually happy to do it...told us that we did not have to accept an ugly patch job.
Something that looks WORSE than it did before is not acceptable even if it's old.
I'm not sure why it should take months, though. Normally insurance companies handle property damage claims fairly quickly.
MissAnn 04:48 PM 12-18-2013
My DH said that usually they cannot match a door that is 13 years old and that insurance will usually pay for a new door. I think he was talking about homeowners insurance and he said he's not sure how it works with car insurance.
MissAnn 04:49 PM 12-18-2013
Think about it......if she had ruined your carpet, insurance would not cut out a square and replace only the ruined part.
Unregistered 04:51 PM 12-18-2013
Sshe should habe liability prop damagr insurance. She did damage and needs to file a claim. Though she is a client she will be reaponsible legally.
babyluver2 04:57 PM 12-18-2013
Originally Posted by nanglgrl:
Definitely don't make a claim with your insurance. We had 3 acts if god (2 hail and one wind storm that uprooted mature trees) all in one year. They paid out less than we paid on that year but still dropped us at the end of the year and it was near impossible to find other insurance. Two of my neighbors are insurance agents and they said unless the damage is $5000 or above not to report it because if you have more than one in a year they will probably drop you.
I am an agent for a large company. Call their company bc it comes from property damage insurance not your own homeowners policy. The dcm is liable and will pay a deductible and insurance should pay you usuallyDefinitely don't make a claim with your insurance. We had 3 acts if god (2 hail and one wind storm that uprooted mature trees) all in one year. They paid out less than we paid on that year but still dropped us at the end of the year and it was near impossible to find other insurance. Two of my neighbors are insurance agents and they said unless the damage is $5000 or above not to report it because if you have more than one in a year they will probably drop you.
JenNJ 11:34 AM 12-19-2013
You need to have the entire door replaced at her cost. It doesn't matter the age. It was in good condition and functioning and now it isn't. The panels won't match. Her insurance will pay for a new door.
My siding was 25 years old and a wind storm took off a few pieces. They couldnt match it so insurance replaced all of it. And they had to do the garage as well because they matched.
My siding was 25 years old and a wind storm took off a few pieces. They couldnt match it so insurance replaced all of it. And they had to do the garage as well because they matched.
momofboys 05:59 AM 12-20-2013
Originally Posted by JenNJ:
You need to have the entire door replaced at her cost. It doesn't matter the age. It was in good condition and functioning and now it isn't. The panels won't match. Her insurance will pay for a new door.
My siding was 25 years old and a wind storm took off a few pieces. They couldnt match it so insurance replaced all of it. And they had to do the garage as well because they matched.
I agree! I am curious as to what happened with this. Is mom's insurance taking care of it?You need to have the entire door replaced at her cost. It doesn't matter the age. It was in good condition and functioning and now it isn't. The panels won't match. Her insurance will pay for a new door.
My siding was 25 years old and a wind storm took off a few pieces. They couldnt match it so insurance replaced all of it. And they had to do the garage as well because they matched.
mrsp'slilpeeps 01:13 PM 12-23-2013
DCM paid the entire fee to replace the garage door.
She knows that it was entirely her fault and didn't want to go through her insurance company.
She paid me in cash when she came to pick up DCB.
The door was replaced last Friday. And she still loves us!
She knows that it was entirely her fault and didn't want to go through her insurance company.
She paid me in cash when she came to pick up DCB.
The door was replaced last Friday. And she still loves us!
momofboys 03:23 PM 12-23-2013
Originally Posted by mrsp'slilpeeps:
DCM paid the entire fee to replace the garage door.
She knows that it was entirely her fault and didn't want to go through her insurance company.
She paid me in cash when she came to pick up DCB.
The door was replaced last Friday. And she still loves us!
DCM paid the entire fee to replace the garage door.
She knows that it was entirely her fault and didn't want to go through her insurance company.
She paid me in cash when she came to pick up DCB.
The door was replaced last Friday. And she still loves us!
MarinaVanessa 08:51 PM 12-23-2013
Originally Posted by mrsp'slilpeeps:
DCM paid the entire fee to replace the garage door.
She knows that it was entirely her fault and didn't want to go through her insurance company.
She paid me in cash when she came to pick up DCB.
The door was replaced last Friday. And she still loves us!
Oh that is so awesome!! DCM paid the entire fee to replace the garage door.
She knows that it was entirely her fault and didn't want to go through her insurance company.
She paid me in cash when she came to pick up DCB.
The door was replaced last Friday. And she still loves us!