Is Fence Covered in Home Insurance? A Complete Guide

Fences are an important part of your property, but they can also be damaged by various causes, such as storms, vandalism, or accidents.

If your fence is damaged, you may wonder if your home insurance policy will cover the repair or replacement costs.

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The answer depends on several factors, such as the type of damage, the cause of the damage, and the amount of coverage you have.

In this article, we will explain how home insurance covers fence damage and what you need to know before filing a claim.

What Part of Home Insurance Covers Fence Damage?

Home insurance typically covers fence damage under the *other structures coverage* part of your policy.

Other structures coverage applies to detached structures on your property, such as sheds, garages, or fences.

This coverage protects your fence from the same perils that your home is covered for.

How Much Fence Damage Does Home Insurance Cover?

The amount of fence damage that home insurance covers depends on the limit of your other structures coverage. Most policies provide other structures coverage for about 10% of your dwelling coverage.

For example, if your dwelling coverage is $500,000, your other structures coverage would be $50,000.

However, you also need to consider your deductible.

For example, if your deductible is $1,000 and the cost of repairing your fence is $2,000, you will have to pay $1,000 and your insurance will pay the remaining $1,000.

If the cost of repairing your fence is less than your deductible, you will not be able to file a claim.

When Does Home Insurance Cover Fence Damage?

Home insurance covers fence damage when the damage is caused by a covered peril.

A covered peril is a sudden and accidental event that damages your property, such as a storm, a fire, or a vandalism.

However, there are some situations where home insurance does not cover fence damage, such as:

1.Maintenance issues

Home insurance does not cover fence damage that results from normal wear and tear, ailing, or neglect.

For example, if your fence is damaged by termites, rot, or rust, your insurance will not cover it.

It is your responsibility to maintain your fence and prevent such damage.

2.Excluded perils

Home insurance does not cover fence damage that is caused by perils that are excluded from your policy, such as flood or earthquake.

For example, if your fence is damaged by a flood, you will need a separate flood insurance policy to cover it.

Similarly, if your fence is damaged by an earthquake, you will need a separate earthquake insurance policy to cover it.

3.Intentional damage

Home insurance does not cover fence damage that is caused by you or someone else intentionally.

For example, if you or your neighbor cut down your fence, your insurance will not cover it.

Similarly, if your fence is damaged by a civil commotion, such as a riot or a war, your insurance will not cover it.

How to File a Fence Damage Claim?

If your fence is damaged by a covered peril, you can file a claim with your home insurance company.

Here are the steps to file a fence damage claim:

1.Document the damage

Take photos and videos of the damage and note down the date and time of the incident.

Also, collect any receipts or invoices related to the fence, such as the original purchase or installation cost, or any previous repairs or maintenance.

2.Contact your insurer

Call your home insurance company as soon as possible and report the damage.

Provide them with the details of the incident and the documentation you have collected.

Your insurer will assign a claims adjuster to inspect the damage and determine the amount of compensation you are entitled to.

3.Get estimates

Depending on your insurer, you may need to get estimates from licensed contractors.

You may also need to get approval from your insurer before starting the work.

Compare the estimates and choose the one that suits your budget and preferences.

4.Complete the repairs

Once you have the approval from your insurer and the contractor, you can proceed with the repairs or replacement of your fence.

Keep all the receipts and invoices related to the work and submit them to your insurer for reimbursement.

Your insurer will pay you the actual cash value or the replacement cost of your fence, depending on your policy.

Is wind damage to the fence covered by insurance?

Wind damage to the fence is usually covered by home insurance, as windstorm is one of the common perils that home insurance covers.

However, there are some exceptions and limitations that you should be aware of, such as:

1.The type of fence

Some types of fences, such as wood or vinyl, are more prone to wind damage than others, such as metal or stone.

Your insurer may have different coverage limits or exclusions for different types of fences.

For example, some insurers may not cover fences that are older than 10 years or that have signs of deterioration.

2.The cause of the wind damage

Some insurers may not cover wind damage that is caused by a named storm.

For example, if your fence is damaged by a hurricane, you may need a separate hurricane insurance policy to cover it.

3.The extent of the wind damage

Some insurers may only cover partial damage to your fence, such as a few broken panels or posts.

For example, if your fence is completely destroyed by a windstorm, you may not be able to claim.

Therefore, it is important to check your home insurance policy and understand the terms and conditions of your fence coverage.

You should also review your other structures coverage limit and deductible to make sure you have enough protection for your fence.

If you have any questions or doubts about your fence coverage, you should consult your home insurance agent or company.

 

Conclusion

Home insurance can cover fence damage, but only if the damage is caused by a covered peril a.

You also need to have enough other structures coverage to cover the damage.

Before filing a claim, you should document the damage, contact your insurer, get estimates, and complete the repairs.

If you have any questions or doubts about your fence coverage, you should consult your home insurance agent or company.

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