How Home Insurance Handles Fence Damage %

A fence has many functions for your piece of land. It offers protection and confidentiality and may also enhance the appearance of your house. However, what if the fence you put in place is destroyed? Does home insurance cover fence repair? This blog post will look at homeowners’ insurance and how it deals with fence repair.

Coverage for Fences 

Fence repair is covered depending on the damage’s cause, usually under the homeowner’s insurance policy. In general, homeowners’ insurance provides coverage for repairs that are caused by sudden and unexpected occurrences. This is the type of damage that can be attributed to storms. For instance, wind, hail, or even lightning may cause damage to the fence, vandalism, where a person or group of people decide to destroy the fence, or even cases where a neighbor’s tree falls on the fence, destroying it in the process.

Key Exclusions

However, some important things are not included in the definition of business intelligence. Home insurance will not pay for the deterioration of your fence over time or normal wear and tear. Likewise, mold growth is not normally incorporated into the list. Moreover, earthquakes are typically not covered under the base homeowners’ insurance policies, so you must get an endorsement for this peril.

Fence Insurance

“Does home insurance cover fence repair?” although it depends on the damage received. However, it is crucial to understand that there may be restrictions on how much your insurance company will compensate for the fence repair. Bankrate notes that coverage is normally limited to 10 per cent of the total policy amount. Therefore, if your policy coverage is $200,000, the insurance company can pay no more than $20,000 for the fence repair.

Additional Tips to Follow

Here are some additional tips to keep in mind when dealing with fence repair and homeowners’ insurance:

• Document the damage

It is advisable to capture the fence damage on camera before you begin any repair work. This will be useful when you make a claim to your insurance company.

• Get estimates for repairs.

Contact experienced contractors to get estimates for the repair work. This will assist you in establishing how much it will cost to fix the damage and how much you may need to claim.

• File your claim promptly.

Inform your insurance company immediately after the occurrence of the damage so that you can make a claim. It is also crucial to note that there might be time bars for filing the claims.

• Understand your deductible

Your deductible is the amount you are responsible for paying before your insurance company starts covering the costs. Make sure you factor in your deductible when deciding whether to file a claim.

Your Property Deserves a Fence as Unique and Reliable as You Are!

UPicket Fencing offers 18 years of experience crafting beautiful, custom fences for homes and businesses. We specialize in high-quality solutions that meet your specific needs. Breathe new life into your curb appeal or secure your commercial space with a fence built to last. Contact UPicket Fencing today for a free quote and see the UPicket difference!