Wind-related damage to a fence or another insured structure on your property is typically covered by homeowners insurance — whether it's the result of a tornado or just a fierce storm. Once it's safe to go outside, you should take photos of your damaged fence, the III says. Photos of the damage may help a claims adjuster in the investigation process.

You may also want to consider getting an estimate for the repair and taking your deductible into account before you file a claim, so you will know the impact your deductible will have on the amount of the loss. And remember, other structures coverage comes with a limit, which is the maximum your policy will pay you after a covered loss.

Contact your insurance provider for help reviewing your coverages or with questions about your policy.