When your fence is damaged or destroyed, one of the first questions that comes to mind is whether insurance will cover a new fence. Understanding what your insurance policy covers regarding fence damage and replacement can save you significant stress and financial burden. Let’s explore when insurance typically covers a new fence and what steps you need to take to file a successful claim.
Types of Insurance Coverage for Fences
Homeowners insurance generally includes coverage for structures on your property, including fences, under the “other structures” portion of your policy. This coverage typically amounts to about 10% of your home’s insured value. However, the specific circumstances determine whether your insurance will cover a new fence.
Covered Events for Fence Damage
Insurance companies typically cover fence damage or destruction caused by:
- Natural disasters (hurricanes, tornadoes)
- Fallen trees
- Fire
- Vandalism
- Vehicle impact
- Theft
- Lightning strikes
- Wind damage
Events That Usually Aren’t Covered
Your insurance policy likely won’t cover a new fence if the damage results from:
- Normal wear and tear
- Lack of maintenance
- Termite or pest damage
- Flood damage (requires separate flood insurance)
- Intentional damage by the homeowner
- Poor installation
- Age-related deterioration
Steps to File an Insurance Claim for a New Fence
- Document the Damage
- Take clear photos from multiple angles
- Video the damage if possible
- Make notes about when and how the damage occurred
- Keep any relevant weather reports or police reports
- Review Your Policy
- Check your coverage limits
- Understand your deductible
- Review covered events
- Note any exclusions
- Contact Your Insurance Company
- Report the damage promptly
- Provide all documentation
- Get a claim number
- Ask about next steps
- Get Professional Assessment At Right Fence Company, we provide detailed damage assessments and estimates for insurance claims. Our 13+ years of experience and reputation for quality work make us a trusted partner when dealing with insurance companies.
Understanding Your Deductible
Before insurance covers your new fence, you’ll need to pay your deductible. For example, if your fence repair costs $3,000 and your deductible is $1,000, insurance will cover $2,000 after you pay the first $1,000.
Factors That Affect Coverage
Several factors influence whether insurance will cover your new fence:
Age of the Fence
- Older fences may receive depreciated coverage
- Newer fences often qualify for full replacement cost
- Documentation of maintenance can help your claim
Type of Fence Different fence materials may have different coverage levels:
Location and Local Regulations
- HOA requirements
- Local building codes
- Permit requirements
Preventing Claim Denials
To improve your chances of insurance covering your new fence:
- Maintain Regular Upkeep
- Regular inspections
- Prompt repairs
- Professional maintenance when needed
- Keep Records
- Installation documentation
- Maintenance records
- Previous repairs
- Photos of the fence’s condition before damage
- Follow Building Codes
- Ensure proper permits
- Meet local requirements
- Use licensed contractors
Maximizing Your Insurance Claim
To get the most from your insurance claim for a new fence:
- Get Multiple Estimates
- Professional quotes from licensed contractors
- Detailed breakdown of costs
- Materials specifications
- Consider Upgrades While insurance typically only covers like-for-like replacement, this might be an opportunity to:
- Upgrade to more durable materials
- Improve security features
- Add decorative elements (paying the difference yourself)
- Work with Experienced Contractors Choose a fence contractor who:
- Has experience with insurance claims
- Provides detailed documentation
- Maintains proper licensing and insurance
- Has a strong local reputation
When to Replace vs. Repair
Sometimes insurance might cover repairs rather than a complete replacement. Consider:
Cost Comparison
- Repair costs vs. replacement costs
- Long-term durability
- Future maintenance requirements
Extent of Damage
- Percentage of fence affected
- Structural integrity
- Age of existing fence
Preventing Future Claims
To protect your new fence investment:
- Choose Quality Materials
- Weather-resistant options
- Durable construction
- Professional installation
- Regular Maintenance
- Seasonal inspections
- Prompt repairs
- Professional servicing
- Security Measures
- Proper lighting
- Security cameras
- Gate locks and hardware
The Right Fence Company Advantage
When dealing with insurance claims for a new fence, working with an experienced contractor makes a difference. Right Fence Company offers:
- 13+ years of experience
- 15,000+ completed projects
- 230+ 5-star reviews
- Expert insurance claim assistance
- Professional documentation
- Quality craftsmanship
- Competitive pricing
Take Action for Your New Fence
Don’t let fence damage stress you out. Contact Right Fence Company today for:
- Free damage assessment
- Detailed insurance-ready estimates
- Expert installation
- Professional documentation
- Quality materials and workmanship
Call us or request a free quote online. Our team of fence experts will guide you through the insurance claim process and ensure you get the new fence you need with minimal hassle and maximum value.
Remember, the sooner you act after fence damage occurs, the better your chances of a successful insurance claim. Let Right Fence Company be your partner in getting your property secured and beautiful again with a new fence that meets all your needs and insurance requirements.
