The policy does not require the bike to be locked to an immovable object when stored behind a closed garage door, however with the proliferation of electronic devices that can illegally open a garage door it is recommended that the bike be locked

If the inspection determines that a repair can be completed in a way that will not affect the bike’s safety or integrity, then the policy will reimburse the repair cost along with all other costs directly associated with the loss.

This largely depends on the material of the frame as well as the location and the type of damage. For example, if an aluminum or steel frame is bent out of true, there is little that can be done except to replace the frame.