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Old 08-28-2014, 09:36 AM   #1
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Doors fell off wall hangers and BUSTED

Well, about a year ago I built some wall hangers for my doors when I take them off, so I don't have them scratched all up on the floor. I just built them out of basic stud 2x4's, and mounted them in the studs in my garage using 3 4" lag bolts per side (one side has the driver's side doors, the other holds the passenger).

Well yesterday, I get home and open the garage - and I see one side of the doors laying in the middle of the bay. I freaked. I looked for glass, but luckily, the glass didn't bust...and I picked the doors up to assess the damage. The rear passenger side door was the first to fall, popping the ground and falling face flat on the concrete. The handle and hinges were the only places that really hit (minor scratches everywhere else). I've posted a pic below. The front passenger side door fell next, and landed on top of the rear. The front door is fine, only suffered a couple of small dime sized dents that look like they could be popped pretty easily. The rear side is a different story.

Hoping that the fall didn't damage the door latch in any way, I put the rear door on the car this morning, and it latched just fine - except...it won't open now! Ha...so yeah, I'm that guy driving with one door on his jeep.

But my question is...with the doors having an unrelated car accident...would insurance cover this? I have a $100 comprehensive deductible, but I'm not sure if I could use it or not.
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Old 08-28-2014, 09:44 AM   #2
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That's a good question about insurance, you will have to talk to your insurance company. I asked about the doors and hard top when stored and from what my insurance company said was that when stored at home or in my shop it falls under house insurance or shop insurance.

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Old 08-28-2014, 09:50 AM   #3
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Sorry for your luck. How did it let go? Did the lag bolts pull out of the stud? I'd be shocked if that's where the weak point was.
As far as insurance, I used to work as an auto claims adjuster and I think this would be covered but I'm not 100% sure. Once a part comes off the vehicle, I'm wondering of the carrier would try to claim that it's no longer part of the vehicle. That's a stretch so I think they would cover it. However, I would expect that they would call it collision so you would have a higher deductible than if it were comp. Comp is for 'other than collision' such as falling objects, animals, and vandalism. Collision is the vehicles' impact with another object, in this case, the floor. No different than if you drove into a light pole or concrete barrier. It's an impact (that's not an animal) so it's collision..... In my opinion. Only one way to know though, call your agent and file the claim. Let us know how it turns out!
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Old 08-28-2014, 09:51 AM   #4
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How did they fall??
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Old 08-28-2014, 09:51 AM   #5
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You homeowner's insurance with be what covers the loss. Lag screws are probably the worst fasteners to use in this application, as you have now found out. In such applications I use 4" cabinet screws.
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Old 08-28-2014, 09:55 AM   #6
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You homeowner's insurance with be what covers the loss. Lag screws are probably the worst fasteners to use in this application, as you have now found out. In such applications I use 4" cabinet screws.
Why do you say lags are bad?. It is probably the proper fastener and will hold if seated properly into a wood member. You also know clearly if you hit wood because of the resistance when screwing or driving it in.

Lags are used to build decks and attach ledger boards. They are strong enough to hold up some jeep doors.
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Old 08-28-2014, 09:58 AM   #7
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Does anyone know if doors can come off a 2014 unlimited sport?
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Old 08-28-2014, 10:03 AM   #8
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Why do you say lags are bad?. It is probably the proper fastener and will hold if seated properly into a wood member. You also know clearly if you hit wood because of the resistance when screwing or driving it in.

Lags are used to build decks and attach ledger boards. They are strong enough to hold up some jeep doors.
That's what most people think, but building a deck with lags is not a good idea either. People use through bolts when lateral strength is needed. Given the size of a lag, going into a 2x4 as the op described, would create a splintering possibility if not centered exactly. My guess is also that the holes for the lags were not pre drilled. He said he put a few in so I assume that's why they pulled out. If you want to test it out, attach two 2x4s together with lags and two with cabinet screws. When you put lateral force of the wood, lags will pull out first. Just my experience and two cents worth
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Old 08-28-2014, 10:06 AM   #9
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Does anyone know if doors can come off a 2014 unlimited sport?
No, the doors are only removable on previous years. Sorry.
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Old 08-28-2014, 10:10 AM   #10
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Someone correct me if I'm wrong, but if you turn this into insurance and they file it as collision your rates will go up?
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Old 08-28-2014, 10:11 AM   #11
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Does anyone know if doors can come off a 2014 unlimited sport?
Yes they come off, all wranglers do, there is a small torx on the bottom of the hinges, remove them and unclip the electrical connector and strap from the inside and then pull up on the door
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Old 08-28-2014, 10:14 AM   #12
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No, the doors are only removable on previous years. Sorry.
And on '15s. It's only the 14s that they won't come off. Well, only the 14 Unlimiteds. 2-door 14s are fine.
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Old 08-28-2014, 10:17 AM   #13
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Oh they were definitely the proper fastener. I either used 1/4" or 5/16" lags (3 of them, 4" long - so about 2.5" were in the studs bc I countersunk them about half an inch) per side, and they were in the studs very well. When I was finished, I was doing pullups on them (I weigh 170) with no flex.

I think what may have happened - my gf had parked in the garage the night before (she knows one of my neighbors and didn't want them to see her "shacking" up at my house)...and she drives a newer accord. The bay is already pretty tight, and I'm not sure if she accidently bumped it while backing out or what. I think what probably happened is that I didn't use a large enough drill to pre-drill and I split the stud on one of the bottom lags. With the humidity being high recently, the studs just got soft and weak, and probably split all the way to the top lag (the one holding the most weight) and it collapsed.
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Old 08-28-2014, 10:24 AM   #14
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I think what may have happened, my gf ("shacking" up at my house)... accidently bumped it while backing out.
So, obvious question: was it worth it?
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Old 08-28-2014, 10:28 AM   #15
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My guess is also that the holes for the lags were not pre drilled. He said he put a few in so I assume that's why they pulled out. If you want to test it out, attach two 2x4s together with lags and two with cabinet screws. When you put lateral force of the wood, lags will pull out first. Just my experience and two cents worth
I see what you're saying - and I'm by no means an expert, but I have worked in construction before and I'm an avid DIY'er and hobbyist. And that's why I used a smaller lag (being the 1/4" or 5/16") to go into the 1.5" of stud available. And I did pre-drill, but I think I should've simply gone up a size for the drill. I've done plenty of similar projects like this before (building a few decks, attaching ledgers, a couple of covered porches, etc..) and never had a problem with lags or carriage bolts.
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Old 08-28-2014, 10:30 AM   #16
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Someone correct me if I'm wrong, but if you turn this into insurance and they file it as collision your rates will go up?
If they call it at fault yes. Some carriers take the stance that if it's a one vehicle accident, you're always at fault (since there's no other driver to blame). Hopefully he gets an adjuster with some compassion and they call it not at fault.
This is definitely a unique situation. As another person mentioned, this might need to go to homeowners. I think it boils down to how strict or lax the company wants to be. You could make an argument for comp, collision or homeowners providing the coverage.
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Old 08-28-2014, 10:32 AM   #17
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Does anyone know if doors can come off a 2014 unlimited sport?
As others stated... Sorry Steelers Fan. Even the non-sport models delivered to the Pittsburg area cannot have their doors removed. It is possible.... however, it is an expensive mod. (In case you see some pics with the doors off).
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Old 08-28-2014, 10:40 AM   #18
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Well, about a year ago I built some wall hangers for my doors when I take them off, so I don't have them scratched all up on the floor. I just built them out of basic stud 2x4's, and mounted them in the studs in my garage using 3 4" lag bolts per side (one side has the driver's side doors, the other holds the passenger).

Well yesterday, I get home and open the garage - and I see one side of the doors laying in the middle of the bay. I freaked. I looked for glass, but luckily, the glass didn't bust...and I picked the doors up to assess the damage. The rear passenger side door was the first to fall, popping the ground and falling face flat on the concrete. The handle and hinges were the only places that really hit (minor scratches everywhere else). I've posted a pic below. The front passenger side door fell next, and landed on top of the rear. The front door is fine, only suffered a couple of small dime sized dents that look like they could be popped pretty easily. The rear side is a different story.

Hoping that the fall didn't damage the door latch in any way, I put the rear door on the car this morning, and it latched just fine - except...it won't open now! Ha...so yeah, I'm that guy driving with one door on his jeep.

But my question is...with the doors having an unrelated car accident...would insurance cover this? I have a $100 comprehensive deductible, but I'm not sure if I could use it or not.
I am sorry to hear that your awesome idea failed. I have been trying to come up with a solution the this very problem. I have been storing all my Jeeps clothes in my spare bedroom to keep them safe from damage.
On a side note I noticed that you put your Jeep door on a car?? Hmmmmm A JEEP is a JEEP not a car. Jus sayin
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Old 08-28-2014, 10:47 AM   #19
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So, obvious question: was it worth it?
I'm currently an analyst for a bank, and we talk in terms of risk/reward all the time...or another way to look at it - cost/benefit analysis.

If I can get out of it for $100. Yes, it was definitely worth it. Any more than that, and I'd have to think hard. If it ends up being over $500, probably not.

Of course, this is my alpha-male attempt to shift the blame on the unsuspecting and innocent female...because when it comes to building stuff - guys never make mistakes lol.
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Old 08-28-2014, 10:51 AM   #20
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Yes they come off, all wranglers do, there is a small torx on the bottom of the hinges, remove them and unclip the electrical connector and strap from the inside and then pull up on the door
Jelli 79 Thank you
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Old 08-28-2014, 10:53 AM   #21
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On a side note I noticed that you put your Jeep door on a car?? Hmmmmm A JEEP is a JEEP not a car. Jus sayin
Hahaha, touche, touche. It's been a long morning, forgive me .

But I just spoke with my agent, and he said was kind of baffled too and just told me to call the claims hotline (I have progressive) and see what can be done. So I call them and report it, and they said a claims rep will call me back soon.
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Old 08-28-2014, 11:29 AM   #22
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If they call it at fault yes. Some carriers take the stance that if it's a one vehicle accident, you're always at fault (since there's no other driver to blame). Hopefully he gets an adjuster with some compassion and they call it not at fault.
This is definitely a unique situation. As another person mentioned, this might need to go to homeowners. I think it boils down to how strict or lax the company wants to be. You could make an argument for comp, collision or homeowners providing the coverage.
This is not a unique situation, and yes it's a homeowner's claim. Your auto insurance will decline it. Source: I used to work for an insurance office.
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Old 08-28-2014, 11:34 AM   #23
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I had a similar dent in my door, and I wouldn't be surprised if it'll end up costing 1200-1300
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Old 08-28-2014, 11:37 AM   #24
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Talk to your Agent (if you have one) a good one will fight and win that to be coded as a Comprehensive loss (non-chargeable) "falling object"
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Old 08-28-2014, 11:44 AM   #25
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I'm currently an analyst for a bank, and we talk in terms of risk/reward all the time...or another way to look at it - cost/benefit analysis.

If I can get out of it for $100. Yes, it was definitely worth it. Any more than that, and I'd have to think hard. If it ends up being over $500, probably not.

Of course, this is my alpha-male attempt to shift the blame on the unsuspecting and innocent female...because when it comes to building stuff - guys never make mistakes lol.
If it's not worth $500 without thinking about it twice, you're either poor or doing something wrong.
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Old 08-28-2014, 11:45 AM   #26
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Just got off the phone with the claims rep. He said that he was talking to his supervisor, and his supervisor was talking to another supervisor...and before you knew it - they were having a roundtable discussion about this particular claim with 6 different managers/supervisors. I kinda felt a little special at that point.

At first, they said that normally, auto insurance covers damage to a car and components attached to the vehicle. But then he said that they considered how long I've been with them (10 years) and tried to make it seem like they were going out of their way for me - which I understand how this claim could've gone either way. They talked about how they could write it up to where it was covered under collision. They basically said that, in legal terms, taking the doors off a jeep in the summer is a "normal/reasonable" action, and does not deviate from the standard for "Jeep owner behavoir", as this is what Jeeps are designed for...similar to a car with a removable T-top...if the t-top were to get dropped in the process of removal, insurance would probably cover the damage. If this were a taurus and the same thing happened while taking the doors off of it, that argument obviously couldn't be made. So he said they could cover it under collision, because the collision occured with the garage floor. In fact, he had to write 2 claims because there were technically 2 collisions, one for each door - but they waived the deductible for the second door.

So now it just comes down to whether or not the $500 deductible is worth it. Probably anything around $600, I won't use the claim. I'm hoping that they can just pop everything back in place, connect a few mechanisms, and charge me a shop hour or two. I'd be fine with that. The only thing that got majorly scratched were the hinges - everything else can be buffed out. But I have an appointment set up tomorrow to get it checked out. I'll keep y'all posted.
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Old 08-28-2014, 11:47 AM   #27
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put the doors back drive it to a rough area of town, park for a few hours, come back and then....well, you get my point.
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Old 08-28-2014, 11:49 AM   #28
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Hahaha, touche, touche. It's been a long morning, forgive me .

But I just spoke with my agent, and he said was kind of baffled too and just told me to call the claims hotline (I have progressive) and see what can be done. So I call them and report it, and they said a claims rep will call me back soon.
Ha I was jus playin with ya. I got got when I was a newbie too lolol So its your turn. I hope your insurance covers it.
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Old 08-28-2014, 11:52 AM   #29
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This is not a unique situation, and yes it's a homeowner's claim. Your auto insurance will decline it. Source: I used to work for an insurance office.
I just have to say:
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Old 08-28-2014, 11:55 AM   #30
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If it's not worth $500 without thinking about it twice, you're either poor or doing something wrong.
Neither - I say girlfriend because it's easier to say that then it's a girl I kinda just started talking to a couple of weeks ago. This is the second time she's stayed the night. If you were asking if the experience of her shacking was worth it, then considering it was PG, yeah...it wasn't worth $500. She's one of those girls that you could take home to your folks...so she's got potential for the long-term. And considering that she didn't want to stay the night bc she was scared my neighbor that she knew would see her car outside...it took me telling her to park it in the garage for her to feel comfortable enough to stay. I definitely wanna see where this goes - so I'd pay $100 for it...but $500 for a cuddle buddy seems steep lol.

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