Is a Blown Over Fence Covered by Homeowners Insurance?
A windstorm can do a lot of damage to a fence. Wind, hail, and even trees can fall on your property. If you have homeowners insurance, you may be able to get compensation for these incidents. Here are a few things you should do to make sure you are covered. First, take pictures of the fence and the damage. Videos can also help, as can pictures of the damaged fence and yard.
Wind damage to fences
If your fence is damaged due to a storm or tornado, you’re covered under your homeowners insurance policy. However, if a car crashes into your fence, you’ll likely have to pay your deductible. Your insurance provider will investigate the incident and work to settle the claim with the other party. If you’re unable to get a payment from the other party, you can file a claim with your homeowners insurance provider.
In order to get coverage for wind damage to your fence, you must maintain it properly. The supports of the fence should be in good shape and there shouldn’t be any noticeable signs of wear. Likewise, nearby trees should be healthy. In addition, your insurer will assess the extent of damage and determine how much you’ll have to pay out.
Hail damage to fences
Hail damage to your fence can be covered by your homeowners insurance policy. However, you should be aware of the rules that govern the process of filing a claim. You must first determine the exact amount of damage, and then gather all of the relevant documents to support your claim. This will help the insurance adjuster determine whether or not the incident falls under your policy. It is a good idea to take photos of the damage so that the adjuster can accurately assess the extent of damage and decide whether or not you will receive a full reimbursement.
Hail damage to fences is covered under the “Other Structures” provision of your homeowners insurance policy. Be sure to collect as much information as possible about the damage, including who caused the damage and where the damage occurred.
Trees that fall on your property
Most policies cover the most common types of tree or limb damage. However, there are some exclusions. You may not be covered if your tree was not properly maintained or if it fell on your property while you were not home. Additionally, your policy may have a coverage cap. In either case, you should check your policy carefully to determine if you’re covered.
While homeowners insurance does cover the cost of removing a fallen tree, it does not cover preventative tree removal. Unless the tree was damaged by a storm, you’ll have to do this yourself. Even if your insurance company covers the cost of removing a fallen tree, the cost may exceed the deductible.
Tornado damage to fences
The first step in filing a claim for tornado damage to a fence is to contact your homeowners insurance company. You can do this over the phone or online. The insurance company will ask you a few questions to determine whether your fence is covered. You should also have a photo of the damaged fence and a copy of the police report. The insurer will then send you a claim form.
Homeowners insurance typically covers damage to fences caused by covered causes such as fire, tornadoes, and vandalism. However, damage due to normal wear and tear or neglect is not covered. Some policies also cover damage to fences caused by falling branches from neighboring trees.
Hailing damage to fences
Hailing damage to a fence is often covered by your homeowners insurance policy. If you’re unsure if your fence is covered by your policy, contact your insurance company for help. Most insurance companies offer online and phone services to make filing a claim easy. They will ask you questions about the type of damage, how much it would cost to repair the fence, and other details to help determine your claim’s validity.
If you want more coverage, you should consider purchasing an additional policy that covers hail damage. This type of insurance will reimburse you up to 30 percent of the value of the fence, in the example above. However, you’ll likely have to pay a deductible before you can receive the additional compensation. You should also consider whether the damage was minor or significant.