In most cases, homeowners insurance will cover fence damage under your policy’s other structures coverage. Damage is covered if the fence is maintained well and the damage is not caused by the homeowner’s carelessness. For instance, if a well-maintained tree falls and destroys a fence, your insurance company will most likely cover this damage. However, the insurance company may deny the claim if either the fence or tree was not maintained poorly.
How Does Homeowners Insurance Cover Fence Damage?
Other structures coverage, which is also known as Coverage B on your home insurance policy, may pay to repair or replace any fence damage. The limit on your other structures can fluctuate, but generally it’s 10% of your policy’s dwelling coverage (Coverage A).
Will Homeowners Insurance Cover Fences In Every Situation?
If you have properly maintained your fence and it becomes damaged by a covered peril, repair or replacement is typically covered. You may be protected up to the coverage limit if your fence is damaged due to a storm. This is, of course, as long as your policy does not exclude wind damage (hurricanes and tornadoes, for example).
An event such as vandalism calls for the homeowner to contact the police first. Once you have obtained a full police report, you can send this to your insurance provider.
Does Homeowners Insurance Cover Blown Down Fences?
Typically, yes, homeowners insurance will cover fences that are blown down by wind or wind-related events, as long as the policy does not exclude wind coverage. Your insurance will want to make sure the fence was maintained properly prior to the wind damage.
What Happens If A Neighbor’s Tree Falls On My Fence?
In this circumstance, the insurance company will cover the damage and can hold the neighbor accountable. Keep in mind that some states do consider a tree on the boundary line between properties to be the equal responsibility of both homeowners. This means both you and your neighbor may be responsible for repairs or replacements, according to Progressive.
When Is Fence Damage Not Covered By Homeowners Insurance?
If your fence is ultimately damaged by an earthquake or flood, it will not be covered by your insurance policy. Instead, you can purchase a separate flood insurance or an earthquake insurance policy.
How To File A Fence Damage Insurance Claim
You should take the following steps before filing a claim if your fence was damaged by a storm, tree, or other covered event.
Thoroughly Document The Damage
Take photos and even record the time at which the incident occurred. While the insurance provider will likely take photographs as well, this gives you the added proof of the event before any debris is removed.
Get A Repair Cost Estimate
Homeowners may be required to get an estimate before filing any such claim. If your estimate is higher than your deductible, you’ll know it is worthwhile to move forward with your claim.
Once you have the estimate, contact your provider and begin their process of filing a claim.
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