Wind, fire, storms and vandals can damage fencing. Whether a homeowner’s policy will cover the cost to repair or replace fencing will depend on the policy and the cause of the damage. Homeowner’s insurance will typically pay for damages, provided it’s included in the policy’s list of covered causes.

Car Crashes and Vandalism

Vehicles running off the road and crashing into fences is far more common than people think. The driver of the vehicle that caused the damage is typically liable for the costs, but the homeowner’s policy will pay for the repairs or replacement. If the offending driver is known, insurance companies will often seek to recover their costs from the offending driver’s insurer. Insurers will also cover damage due to vandalism.

Fires and Storms

If the policy holder’s home, or the neighbor’s, catches on fire and damages the fence, the insurance company will cover the cost. The same is true if the damage is the result of high winds, a hurricane or a tornado. However, be aware that some policies do exclude damage from floods and winds in Florida.

Trees

There are multiple instances when trees can be the cause of damage to a fence. Homeowner’s insurance will pay for repairs or replacement if a limb comes down in a storm or the neighbor cuts a limb and it falls on the fence. However, the claim will be denied if the insurer believes the homeowner was negligent in some way or if the accident could have been prevented or avoided by the homeowner.

Exclusions

Insurance companies have an extensive list of exclusions that may be written into a homeowner’s policy. It’s critical for individuals to understand their coverage. The normal effects of aging or wear and tear on fences isn’t covered. Neither is damage due to termites and other insects, mold and fungi, dings and dents from lawnmowers, or children playing.

Damage sustained from vandalism or a vehicle accident should be reported to the police immediately and homeowners need to take photos of the damage. Both may be required by the insurance company to provide proof of the damage and its extent.

Like many things in life, erecting a fence requires obtaining a permit. Where to get it and the process involved can be confusing, particularly for those that are unfamiliar with it.

Many residential permits can be applied for online, depending on the municipality. Other entities may require a written application be submitted in person. The permit will be issued in the name of the homeowner or the contractor. The permit is typically good for 180 days.

Reputable and experienced fence contractors will normally apply for the permit on behalf of the customer. The expense can be anywhere from $150 to $400 and will be included in the cost of the fencing project.

However, there are a number of other issues that come into play when erecting a fence of which individuals may not be aware. There are limits on how tall the fence can be and in many locales the appearance and materials will also come under scrutiny. Contractors may be required to submit a plan of the project detailing where the fence will run.

Installing a fence impacts water and sewer lines, along with phone and electric service. It will be up to the fencing contractor to contact the relevant utilities to ensure the safety of the fencing crew and that the installation doesn’t interfere with the delivery of any of those services.

There will be rules as to how many feet the fence can come within a right of way, easement or corner. Individuals may not be able to have the fence installed directly on their property line. There may be a required set back, meaning the fence will have to be a specified distance from the property line. That will mean a loss of yard space for the fence owner.

Before any of those steps can be taken, home owners will need to know exactly where their property lines are. That can mean having the property surveyed if there hasn’t been a recent survey.

If you live in an urban location, you’ll almost certainly need a permit of some sort giving you permission to erect a fence. If you live in an HOA, you’ll typically need additional permissions from the HOA. However, that’s not always true if you live in a rural area. The need for a permit will depend on the zoning and regulations of the city, community or even county in which you live.

While you may want to turn fencing into a DIY project, failure to obtain a required permit or trying to install a fence that exceeds height requirements can land you in serious trouble. The same is true if you don’t observe set back regulations. The body responsible for enforcing codes can make you take the fence down and all of your money, effort and labor will be wasted.

Don’t purchase fencing unless you’ve checked with your local governmental office, HOA, and any neighborhood associations with which you may be affiliated. You may need to provide the city council or other municipal body with a copy of a survey of your property, along with the fence plan and specifications. You’ll also have to pay for the permit.

The beauty of hiring a professional fence installation company is that the experts will be cognizant of the permitting requirements for your area and will usually pull the permit for you. When you’re choosing your fencing, they can advise you on any height, material or other restrictions that are in force. You’ll also need to know where any underground utility lines are located.

If you hire a professional, the cost of the permit will be included in the cost of the fence installation and they’ll often present all the materials to the city council for you. There’s a wide range of requirements and restrictions that may apply, depending on the type of fence material is being used, if the fence is for a residential or commercial property, and if it has a gate with electrical components.

Installing a fence doesn’t mean that people have to give up on greenery. There are a variety of plantings that complement fences. The most common reason people want plants next to their fence is to camouflage it, particularly if it’s chain link fencing.

However, individuals may also want to hide fencing that has become weather worn, if they don’t want to paint or stain it, or if they don’t want to replace it. There are numerous plants that enable people to hide their fence and enjoy a wealth of blossoms using the fencing as a support.

Vines

When it comes to fences, vines are the most often selected solution, especially those that twine rather than lean. Bleeding heart vine is a fast grower with white or red flowers but it’s not a rampant grower. The Queen’s Wreath Vine produces cascading purple flowers, blooms off and on all summer, but needs trimming to keep in contained. Pandora vine has pale pink flowers with a rose-colored center, light scent, and can be trained to form a small bush.

Bushes and Hedges

A unique choice near fences are cycads. They’ve been around since the time of the dinosaurs, come in a multitude of sizes, shapes and heights, along with a distinctive appearance. They’re highly valued for their attractiveness, rarity and add value to properties. These descendants of ancient species are sure to cause a sensation.

Hibiscus, which includes Rose of Sharon, loves the South Florida climate. They’re tolerant of heat, humidity, poor soil, air pollution and drought. Flower colors include red, blue, lavender, pink, white and bi-colors. They’re available in single and double flowering varieties.

Small Trees

People that prefer small trees to hide their fence can choose from Jelly King Crab that grows to 13 ft., redbud that grows to 10 ft., wintersweet that can grow up to 15 ft., and dwarf chestnut oaks that grow to a maximum of 20 ft. Many varieties produce blossoms in colors ranging from red and pink to yellow and white, and provide a source of food for birds, bees and butterflies.

There are multiple reasons that you might decide to install a fence and you’ll have a myriad of styles, colors and materials from which to choose. The first step before contacting a fencing specialist is to identify why you want a fence.

Safety and Security

A fence provides safety for children and pets, protecting them from incursions by human trespassers and a wide variety of unwanted wildlife. Fencing is effective for concealing valuables encompassing lawn care equipment, ATVs, PWCs and motorcycles from burglars.

Privacy

Homes are being constructed even closer together than in the past, inhibiting the ability to enjoy time with family and friends. A fence provides a private space for you to enjoy good times away from the prying eyes of neighbors and passersby.

Set Boundaries

Fencing is a great way to establish property boundaries, but it’s always best to consult with your neighbor first. Depending on local laws, they may be responsible for part of the upkeep costs – an expense for which they might object.

Ornamentation and Curb Appeal

If you’re planning on selling your home, a fence can add significant curb appeal and ornamentation all in a single package. Fences are an attractive attribute for buyers and viewed as a money-saving bonus.

Hiding Eyesores

Everyone partakes of modern conveniences, but those services often come with equipment that’s unappealing to the eye. A fence can hide or camouflage eyesores that include satellite dishes, HVAC units, emergency generators, and electrical boxes. They’re also effective for concealing electrical vehicle charging stations and trash bins.

Complying with HOAs

HOAs can dictate many things and a common rule is keeping “clutter” such as children’s toys and outdoor furniture out of sight. A fence alleviates that concern, but always consult with the HOA to ensure the fence you want conforms to the organization’s guidelines.

Swimming Pools

Pools and spas must be surrounded with an appropriate fence and gate to prevent access by children. Before installing a pool or spa, consult with a fencing specialist to determine what meets safety standards and your aesthetic preferences.

It doesn’t matter whether a fence is being installed for privacy, safety, child or pet containment, or aesthetic reasons, it’s essential that the installation be performed by an experienced company that’s fully licensed, bonded and insured. Locating that company can be difficult and the following are some tips for finding an experienced fencing company.

Research

Anyone looking for a fencing professional will need to perform their due diligence. Some red flags to look for include a company that’s recently changed its name and a poor rating with the Better Business Bureau. Make sure that the company has a physical business address.

Recommendations

Ask family, friends and co-workers that have had a fence installed about the company that did the work. Find out if they were happy with the results. Many companies will place a sign on the fence indicating the name of the business that performed the installation. Alternately, individuals may also consider asking the property owner of a recently erected fence about the company and their experience with the installer.

Quotes

Get quotes from at least three fencing companies. The quotes should include the cost, an itemized list of what the company will do, a timeline for completion, the size of the crew required, and when the work will begin.

Services

A professional fencing company will be aware of the ordinances and regulations governing the installation of a fence. Many locales have specific rules regarding the type, color, materials and height of fences. The company will also be able to pull the necessary permits and contact underground utility lines. Each fencing job is different and the company should send a representative to walk the property to be fenced so an accurate estimate can be provided.

Contracts and Warranties

Don’t engage a fencing company without a contract. It should spell out in detail the scope of the project and the terms of payment. Some companies require a down payment or offers payment plans, while others may require half down and the remainder upon completion. Make sure the company provides a warranty on its work, materials, and how disputes are addressed.

A multitude of fence design options are available and choosing just one can be difficult. The first step is deciding the purpose for which the fence is being erected. With the wide range of materials available, it’s possible to combine form and function into stunning fencing that serves it’s intended purpose and enhances property value.

Depending on the usage, individuals can fence all or a portion of their property. Homeowners can choose from wood, aluminum, chain link, PVC and SimTek® materials. Fencing is offered in multiple colors and varying heights to accommodate multiple requirements. Individuals can also select fencing that emulates the appearance of wood and stone.

Kids Safety

Children are naturally curious. A solid fence is an ideal way to keep them safely contained within a specific area and secure from prying eyes. Chain link is an effective barrier, but doesn’t provide a decorative element or prevent others from seeing in.

Noise Buffer

A solid fence is an effective noise barrier to reduce the sound of traffic and that of nearby neighbors. An added advantage is that it reduces the amount of sound emitted to neighbors and passersby. Some materials are more effective than others.

Pets

The most often used fencing for dog containment is chain link and it can be equipped with an underground cable for dogs that dig. Solid fencing is particularly beneficial for canines that are overly excited by outside stimuli. Chain link can be fitted with a special tarp to block the dog’s view, but lacks aesthetic value.

Privacy

A solid fence prevents others from seeing in and can be highly decorative. It’s equally effective for entire properties or just to enclose a family area.

Security

Chain link is great for security, but isn’t very decorative. Aluminum provides security and an aesthetically appealing appearance. Solid fencing materials can be an equally effective barrier and prevent intruders from finding handholds with which to climb over.

Wind Barrier

SimTek® is an excellent wind barrier that can withstand sustained hurricane force winds up to 110 mph. It’s durable, environmentally-friendly, isn’t damaged by salt water or UV rays, and is almost maintenance free.

Installing a fence around your home or business may seem like a productive way to spend the weekend, but it’s no walk in the park. There are multiple factors that will determine exactly how the fence will be erected, from the type of soil that’s in the yard to any sloping of the land – and then there are permits. It’s wise to engage a professional fencing company for a myriad of reasons.

The Right Fence

There are so many different types of fences and materials from which to choose, it’s easy to become overwhelmed. A professional fencing company will take the time to consult with potential customers and help them ascertain which fence is right for their particular needs, whether it’s safety, security, privacy or some other purpose.

Legal Issues

Every municipality has its own rules and regulations about the height and appearance of fencing. Those guidelines can be even more stringent for individuals that are part of a homeowner’s association. Failure to comply with prevailing standards can result in legal issues and orders to alter or remove the fence completely.

Permits are part of those rules and regulations. A professional fence installer will know the permits that need to be obtained before work can begin and be able to pull them quickly and efficiently. In many instances, professionals are also cognizant of the standards in the area where the fence will be erected.

Save Time and Money

Proper installation of fencing requires more than a shovel or a posthole digger. Equipment can be rented, but it can be extremely expensive and the average individual may not be able to operate it effectively. Professional installers have all the equipment needed and are experienced in its usage.

Value and Aesthetics

A properly installed fence increases property values, looks great, and increases curb appeal. The work will be completed quickly and to all specifications. Quality products are used and the installation is performed correctly the first time.

For decades, the standard in fencing has primarily consisted of vertical pickets and uprights. It’s a tried-and-true design popularized by the white picket fence model depicted in films and TV. Fencing design professionals originally introduced the horizontal fence in the 1950s and 1960s.

After a substantial run of popularity, fencing again returned to the vertical model. Today, individuals are seeking ways to express a greater sense of style in their fencing. The result is that those that want something new and trendy have reimagined horizontal fencing in multiple ways.

Aside from the unique appearance of a horizontal fence, they’re also quicker to install and they’re often less expensive since less material is needed to achieve the same effect as a vertical fence. They typically buffer more street noise than vertical fencing and a horizontal fence tricks the eye into perceiving a larger area than there actually is, which is handy for anyone trying to sell their home.

There are no hard and fast rules for today’s horizontal design. Individuals can incorporate different types of materials in their fencing. People are combining alternating colors and planks of varying widths for visual interest. No one ever said fence planks have be perfectly aligned and many are opting for planks that are staggered and uneven.

There’s also no rule that says fencing has to be constructed of the same type of wood. Fashionable homeowners across the nation are designing fencing that utilizes planks of different wood types. Pine, cedar and redwood are the most popular material combinations.

Once widely used for furniture, bamboo is quickly becoming a preferred fencing material as it weathers well in outdoor environments. An additional benefit is that bamboo is a renewable and eco-friendly resource.

If none of those options are appealing, there’s also louvred models – an entirely new direction for fencing. The louvres can be adjusted – just like louvred windows – to allow for specific levels of privacy.

Individuals have so many options to think about and consider when they decide to install a fence – and soil type typically isn’t one of them. The truth is that the type of soil will have a definite impact on the installation process of any fence. It’s just one of the many reasons that professional fence installers typically like to perform an on-site examination of the area to be fenced.

Florida has many different types of soil and they can vary significantly over relatively small areas. Professional fencers typically set fence posts in concrete, but it’s important for individuals to understand the soils involved and how it will impact the cost and time it will take to erect the fence.

Clay

Soil comprised of clay is often likened to concrete when its dry. Clay soils are dense, difficult to work with, but tend to hold fence posts solidly in place. It may need to be moistened to make it malleable to digging. The problem with clay is that it tends to shrink when it dries out and that can affect the appearance of the fence.

Sand

A soil with a high concentration of sand is far from ideal for installing a fence. The only real solution for erecting a fence in sandy soil is to embed fence posts in concrete.

Rock and Gravel

A certain amount of rocks and gravel in the soil can aid in providing stability to a fence. However, it’s a soil type that adds an extra level of difficulty when digging fence post holes, even for powered post hole diggers.

Silt

This soil type is very easy to work with for installation. However, it can cause substantial problems when it becomes saturated after heavy rains. Silt can take on a more fluid consistency that doesn’t bode well for fence stability.

Peat

Individuals that have peaty soil or reside near areas that tend to be wet or damp may experience a lot of difficulty when installing a fence. The soil provides little support and even concrete footings for fence posts may not be sufficient.