House with white picket fencePerhaps a storm came through your area and knocked a tree over, creating your fence to topple over. Perhaps a driver lost control of his or her car and hit your fence. In these situations, do you have financial protection in place for your losses? Fence damage can be costly to repair, especially when a significant event occurs leaving your property and privacy at risk. Most home insurance policies should provide you with some protection and help you restore your fence.

Is a Fence Covered?

Each home insurance policy is a bit different. You’ll need to compare the details of your policy carefully to know what type of cover you have. Most homeowners’ policies do have other structure coverage which includes fences as well as other buildings on your property such as your garage or shed. And, like any other type of claim you make, whether or not your fence is covered depends on what happened, what caused it, and if it was avoidable.

If the damage to the fence was caused by normal wear and tear or poor maintenance, your insurance plan isn’t likely to cover it. For example, if the fence falls down as a result of being unmaintained for some time, even if a storm causes it to fall, your policy may not cover the loss.  On the other hand, if an accident occurs that is unavoidable and something you could not have prevented, the policy is likely to provide coverage.

In the above mentioned example where a driver hit your fence, your insurance may help you, but the vehicle driver’s liability coverage is likely to be used to cover the damage. Your insurer is likely to help you to secure those funds, though.

What to Do If Your Fence is Damaged

As soon as the accident or incident occurs, take action. Do not wait too long to file a claim for your fence damage. Even if a neighbor’s tree is the cause of the damage, contact your home insurance provider to make your claim. And, if your current policy does not offer enough financial protection to you for this type of loss, it may be time to extend that policy to provide you with better coverage overall.

Is your home protected? Call RV Johnson Insurance at 772.287.3366 for more information on homeowners insurance Stuart FL.

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