Will Insurance Pay for Repairs to My Fence?

It’s no secret that the Pacific Northwest is home to some stormy weather during the winter months. Sometimes those storms cause damage to your fence. Wondering if your homeowner’s insurance will cover fence damage? Here are some tips that can help you understand how to claim weather-related fence damage on your insurance.

Review Your Policy

Fences damaged by storms may be covered by homeowner's insurance.Look at your insurance policy to see if fence repair is covered. This is typically found under the “other structures” section of your homeowner’s insurance. It may be subject to a deductible.

There are often two types of fences covered on homeowner’s insurance. Each type is handled differently:

  • Shared fences: Each of the owners would be covered for 50 percent of the total cost of the repairs. The cost of the deductible would also be shared equally.
  • Single fences: More often the damaged fence is individually owned. If you are the sole owner, you would typically be covered for 100 percent of the cost to repair the fence after the deductible is met.

Document the Damage

It’s helpful to provide your insurance company with photos of the fence. Ideally, you should have before and after photos from several different angles. Write a detailed description of the incident if possible and develop an itemized list of what specific areas are damaged, broken or missing. This can help the insurance claims adjuster come up with an accurate estimate and can help speed the process up a bit.

Know What’s Covered

What is covered usually depends on your specific policy. Generally, fences and other structures that are damaged by high winds, heavy snowfall, falling trees and branches and torrential rains should be covered by your insurance. However, your policy may have exceptions to certain events. Your benefits may or may not cover the cost of the repair and restoration of the fence to its previous condition. Some policies will include coverage for vandalism, termites and vehicular accidents. Always check with both your policy and your agent to confirm coverage for various scenarios.

Insurance policies follow a standard format, but it’s important to check the fine print in your policy. Policies differ somewhat from one area to another and from company to company. Filing your claim does not have to be a burdensome process. However, prepare for it to take time, energy and research.

Contact the Experts in Vancouver, Washington Fence Repair

Cascade Fence & Deck can repair and restore your fence after it’s been damaged. Whether your fence was attacked by pests or inclement weather, give us a call. We’re here to help!