Is My Fence Covered Under My Homeowners Insurance Policy? Part 2

After Hurricane Matthew made its way up the east coast of Florida, many homeowners experienced not only damage to their homes, but also to their fences. In addition to hurricane damage, fences are also damaged everyday due to these below listed common occurrences.

  • Your tree falls on your fence. A policy will typically provide reimbursement for a fence if a healthy tree falls and damages it. It would probably not only pay to repair or replace the fence but also remove the tree debris so that repairs can be made to the fence.
  • Your neighbor’s tree falls on your fence. It doesn’t matter who owns the tree, says the Insurance Information Institute: If it lands on your fence, you file the claim with your own insurance company. However, if there’s evidence that the tree was weakened because your neighbor overlooked basic maintenance or ignored disease, your insurance company may try to recover its costs from your neighbor’s insurance company (which may also earn you back the deductible you paid when you filed your claim).
  • A storm damages your fence. Wind-related damage to a fence or another insured structure on your property is typically covered by homeowner’s insurance — whether it’s the result of a tornado or just a fierce storm. Once it’s safe to go outside, you should take photos of your damaged fence, the III says. Photos of the damage may help a claims adjuster in the investigation process.

You may also want to consider getting an estimate for the repair and taking your deductible into account before you file a claim, so you will know the impact your deductible will have on the amount of the loss.

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