If you’ve had your fence or deck damaged, you probably have questions. Here are a few that we’ve been asked before; hopefully you can find some answers.
What should I do first?
1. Safety first! Block off access to the damaged area if needed to prevent children or pets from hurting themselves. If there are fallen power lines, suspended trees or other hazards nearby, stay clear and call the appropriate service company.
2. Take photos. Document the damage that occurred and the cause, if possible. These will be necessary if you’re filing an insurance claim. If the damage was caused by a negligent driver, a police report can also provide evidence for your insurance claim.
3. Review your homeowner’s insurance policy and determine whether you can and should file a claim.
4. Get your claim approved before starting any permanent repair. Your policy should cover temporary repairs, so save your receipts.
How long will it take to fix my fence or deck?
If the first company you call isn’t able to respond in a timely manner, don’t be afraid to call around and ask about timelines. Response time and installation schedules vary between companies, and it may be possible to get help sooner from one company than the next.
If you do require emergency service, keep in mind some companies may charge a fee. Be sure to ask about any emergency service fees when getting an estimate from potential service providers.
At Cascade Fence & Deck our extended installation schedule and normal project size means we’re not always the best fit for an emergency repair or replacement. If you’d like to work with us, we’ll be happy to discuss the project with you and recommend alternatives if necessary.
Should I file an insurance claim for my fence or deck?
Unfortunately, that is not always the best move. Even one homeowners’ insurance claim can raise your rates significantly, and after more than one claim insurers may drop your policy for being “high risk”. Instead, experts recommend avoiding claims except for “catastrophic” damage, and seeking the highest deductible you can afford in order to reduce your premiums.
For more information about insurance claims, read this interview by United Policyholders: To Claim or Not To Claim… That is the Question.
Is my fence covered by homeowners insurance?
Is my deck covered by homeowners insurance?
Whether or not the damage is covered also depends on the type of “peril” – the cause of the damage. Commonly covered perils include fire, windstorms or hail, damage from vehicles (except your own), falling objects, riots, vandalism, and weight damage due to snow.
Does my contractor deal with my insurance company directly?
A tree fell and damaged my fence or deck. Is it covered by my homeowners insurance?
My neighbor’s tree fell on my fence or deck. Will their insurance cover the damage?
Do you still have questions? Contact us
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