In a shared fence situation, it may be a good idea to talk to your neighbor and discuss an amicable solution to fix the fence. After all, both parties have the same financial responsibility for the joint closing, and the payment of the insurance will probably only be half of the total cost. To determine the amount of coverage you have, see the “Coverage B: Other Structures” section of your standard insurance policy. While home insurance covers your home and other structures on the property, such as detached garages, sheds, and fences, it may make more sense in the long run to pay for repairs out of your own pocket. In all situations involving damage to your home or property, always contact your own insurance agent to make a claim. In a covered situation, such as if a tree falls on your property, your own insurance company is responsible for taking care of your damaged belongings, whether the tree is yours or your neighbor`s. If the tree that fell on your fence was dead or sick, the owner of the property where the tree was located is most likely responsible for the damage to your fence. Homeowners have a duty to maintain and maintain the health of all trees on their property. This means that you and your neighbor have the same responsibility for the maintenance of the fence. Your insurance company will likely use the same equity consideration to determine the payment of damages from a common fence. Still, you won`t get blanket coverage for fence repairs to your home insurance. The protection it extends to depends on why the fence was damaged, so it may be worth checking the details of your policy.

To make it easier for you, Bankrate has summarized the most important things you need to know about home insurance coverage for fences. In both cases, you would always have a deductible in case of damage. This means that the deductible you choose will be deducted from your insurance provider`s payment amount. Protect your home as it protects you by choosing the property insurance coverage that suits your needs. Standard home insurance covers repairs to damaged fences after a storm, hailstorm or lightning strike. Coverage pays the cost of repairing or replacing your fence against these examples of covered hazards: in fact, if you neglect maintenance, your claim could be denied. Suppose a strong wind blows over your fence. If your home insurance company determines that the fence has already collapsed because you didn`t maintain it properly, coverage will likely be denied. Keep in mind that you usually get up to 10% of the amount of your home insurance for coverage of other structures. If you have several other high-quality structures or structures, such as the beautiful bedroom with kitchen and bathroom or an extremely long fence, the standard coverage limit may not be enough. In this case, contact your insurance professional to determine if you can increase the coverage limit of your other structures.

Your home insurance includes various coverages, such as home insurance for your home itself and personal property insurance for your belongings. It also includes other structures that extend to things built on your property that aren`t attached to your home, such as sheds, detached garages, and, you guessed it, fences. However, if you live in a coastal area, especially if you are prone to hurricanes, your policy may rule out wind damage to fences from named tropical cyclones. Check your insurance details to see if you should apply for storm insurance confirmation or if your policy may already include a separate storm deductible for named storms. A “hurricane deductible” is usually 1% to 5% of the insurance value of your home. Then determine if you want to contact your home insurance company. They may want to send a claims adjuster to review the fence before starting the repair, or ask you to submit photos of the damage via their mobile app or damage website. While your home insurance can pay for repairs to a fence hit by a vehicle, you can also use the responsible driver`s property damage liability insurance, which is required in most states. In other words, because the damage is their fault, their auto liability insurance should pay for the property damage they caused to your fence. When reviewing your policy, it may also be beneficial to check the risks covered, which are the cases where your home insurance covers the cost. Almost all home insurance policies, for example, offer coverage for damage caused by fires, thefts, and storms, but generally exclude coverage for floods and earthquakes.

Your garden is a sanctuary – a place to relax, play or jump the dog. Damage to a fence is a nuisance that can affect your place – fortunately, Hippo can help you restore your potential by making fence repairs painless and quick. For more information on other ways Hippo can protect you and your home, get a home insurance quote today. If your fence is significantly damaged by a storm, fallen tree or other covered loss, contact your agent or insurance company as soon as possible to discuss your situation and help you understand if it makes sense to make a claim. Termites, as well as all other pests and infestations, are not covered by home insurance. Your home insurance treats termite damage as a home maintenance problem, which means you`ll need to cover the cost of removing termites and repairing your fence. If a tree on your neighbor`s property – or some of its members – falls on your fence and damages it, you may be wondering how to deal with this damage.