Is my fence covered by home insurance?
If your fence has been blown over by a recent storm, damaged by a fallen tree or even vandalized your homeowner’s insurance may help you cover some or all of the repair costs to your fence. While policies vary it’s important to know what’s covered in your policy. Understanding your coverage can help you if something were to happen.
Read the fine print
Be sure to check for coverage of your fence or fences in your policy. Some policies only cover fences that are classified as “attached to your home”. You’ll want to make sure your policy covers your fence as part of your property / “dwelling”. Check for coverage of major events and minor items. Storm damage, a fallen tree, even vandalism for example. Note any deductible and costs that would be associated specifically with fence repairs or replacement.
Keep a record of dated photos. Keeping a monthly or yearly record could help when the time comes to file a claim. Note the approximate costs of your fence if you had a new fence built in the recent past (after your initial home purchase). Keep all your receipts on file from the fence repair company for any work you’ve had done. If your fence has been vandalized be sure to photograph and file a police report in addition to filing a claim with your insurance company, should you pursue that route.
What to do if your fence is damaged
In the event of a natural disaster or damaging event always put safety first. If there’s storm or wind damage make sure it is completely safe to be in your yard area or where your fence is. If there is a downed tree on your fence make sure to stay a safe distance away. Document any damage and note the date and/or time if necessary. Take clear photos of the damage from multiple angles. Your agent or adjuster will/may come out to your property to attain photos in person. Keeping preliminary documentation may speed up the process depending on your provider.
Keep a fence repair company in mind
Once the time comes to have the repairs done be sure to have your chosen fence company in mind. You’ll want to make sure to have that company available to give you an estimate on repairs to present to your insurance provider. Your provider may have a company they work with locally so be sure to review your documentation.
Things to consider
Compare your estimate costs with your policy’s deductible and coverage. Each policy is different and some coverage may limit the amount covered for external items like fences and garages. You may also want to compare the overall costs of your repairs versus your policy’s coverage before filing a claim.
In the unlikely event you find yourself asking “is my fence covered by home insurance?”. Be sure to keep a fence repair company in mind. Ranchers Fencing & Landscaping is here to assist if you are in need of fence repair due to acts of nature or other damage. Contact the fence specialists at Ranchers Fencing & Landscaping for a free estimate or to have any of your questions answered today.