new vinyl fence

Will my insurance cover my fence?

Most insurance companies consider fences a permanent fixture on your property. They are ranked with your home, garages or sheds, swimming pools, and solar panels when it comes to your home insurance policy. Your policy, therefore, covers your fences for the same incidents that cover your home or other parts of your property. For example, another Denver windstorm blows through, and fence get is blown down.

You should remember that there may be situations when your home insurance policy doesn’t cover damage to the fences on your property. Suppose you were working on or near the fence and cause some sort of damage to it you may not be able to claim compensation in this case.  Wear and tear on a wooden fence from waterlogging near the fence, can be considered negligence on your part and your insurer may deny your claim.

If you’ve chosen the right coverage, your homeowner’s insurance will likely protect your house from natural disasters, storm damage, and even theft.

During windstorms, it’s not always the just house or the roof that’s damaged. Often, it’s the fence around your property as well.

So, does insurance cover wind damage to fences?

Today, we’ll go over what you can expect when you file a claim and how to tell if your fence is covered by home insurance.

Does Insurance Cover Wind Damage to Fences? It Depends.

Most standard home insurance policies protect the house and any other structures on the property from storm damage. This includes wind damage.

However, for the policy to kick in and cover the cost of repairs, carriers typically require that the fence and area around it were in good condition prior to the storm.

This means it must have been properly maintained. All supports should have been in good shape and the panels (or pickets) should not show signs of excessive wear and tear. If you had trees nearby, they also need to have been healthy.

How Insurance Adjusters Can Tell

When you file a claim for a damaged fence, an insurance adjuster will assess the damage. If a healthy tree fell on the fence, the home insurance policy will likely cover the cost without question.

However, if the tree was dead or diseased and fell as a result, your insurance policy may not cover the cost of repairs. They’ll look for obvious signs of dry rot, pests, and other damage to determine if the damage is covered.

Similarly, if the fence itself was in poor condition prior to the windstorm, you’ll likely need to cover the cost of repairs out-of-pocket.

Remember, you’re responsible for maintaining your home. Homeowners insurance policies only kick in if you’ve done your best to take care of the property.

What Happens If the Claim Is Successful?

If the insurance company determines that the damage was caused by the wind rather than a lack of property maintenance, they’ll cover the cost of repairs.

If the total cost of repairs is higher than the amount covered by your policy, you’ll need to pay the remainder out-of-pocket.

How to Make Sure Your Fence is Covered by Homeowner’s Insurance

The easiest way to guarantee that your fence is covered is to stay up to date on maintenance.

If your fence starts to look worse for wear, schedule a maintenance appointment as soon as possible.

If trees or other landscaping elements look damaged or diseased, consider removing them. This way, the only way your fence could be damaged during a windstorm is by the wind itself.

Don’t Put Off Maintenance Until It’s Too Late

At A Straight Up Fence Company, we see a lot of easily preventable damage after the severe windstorms along the Front Range.

We’ll take care of those minor repairs before they become major problems and keep you from asking, “Does insurance cover wind damage to fences?” after a storm. Schedule a free estimate today and let our experts keep your fence in good shape for years to come.

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