Published: July 2015
A powerful windstorm took down a big chunk of your fence — is that something you can expect your homeowners insurance to cover?
Typically, the answer is yes. Beyond protecting your home and belongings, many homeowners policies have “other structures” coverage that extends protection to buildings and some elements around the property, like a shed, garage, and, yes, a fence.
There are other scenarios that might lead to a damaged fence, too. But, essentially, the coverage for your fence hinges on the very same perils that apply to the protection of your home.
Let’s look at a few different scenarios and how the coverage might work.
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.