Skip to main content Skip to search

Are Fences Covered by Homeowners Insurance?

Homeowners insurance will typically cover the cost of a damaged fence, but it will depend largely on how the damage was caused. Fence damage may fall under the “other structures” coverage of the policy and may be limited to damage that occurs as a result of vandalism or storms. It’s essential that individuals understand their policies and what it covers.

There may also be monetary limits attached to the amount of coverage provided in the form of percentages. Flood damage is typically excluded from standard coverage policies. Damage resulting from earthquakes is also excluded, even though Florida is tied with North Dakota for the fewest number of earthquakes. An earthquake is Florida is rare, but they have occurred.

Sinkholes are a very real concern for Florida residents and companies are required to offer catastrophic ground cover collapse. However, the coverage is only available as an add-on to an existing policy and individuals will incur additional costs for the coverage.

Fences can be exposed to a variety of damaging conditions and situations. While many of those may inflict damage that mars the cosmetic appearance of the fence, they won’t be covered by homeowners insurance. Fences can be struck by debris from lawn mowers, children driving “ride-on” vehicles, and landscaping mishaps – those aren’t covered. Fences afflicted with mold, fungi, insects, and normal wear and tear aren’t covered, either.

While a car crashing into a fence doesn’t happen very often, if one does damage a fence the homeowner’s policy should cover it. Individuals will also have the option of filing a claim against the driver’s auto insurance, assuming that the driver has an auto owner’s policy.

Trees and limbs falling on a fence from the policy holder’s yard are covered expenses. The insurance company can choose not to cover the damage if it decides the tree or limb fell due to negligence or lack of appropriate maintenance on the part of the homeowner.

If the damage occurs due to a neighbor’s tree, the insurance company may hold the neighbor responsible for the entire cost. The company may also choose to split the cost 50-50 between the homeowner and the neighbor, with homeowners paying the deductible.

Zepco Fence…South Florida’s Premier Fence Company

Since 1981 Zepco Fence has been providing superior quality fence products and installations to all of South Florida Residential and Commercial Property owners.

Serving all of Broward and Palm Beach County areas, we are the #1 Fence Company in South Florida.

We encourage you to contact us below to get started with a free estimate on your next fence project.

Call Today at 954-410-9570

Read more

Yard Enhancements that add to Your Home’s Value

People are always looking for ways to increase the value of their home and one of the best ways to enjoy the great outdoors is by creating a unique environment in your own back yard. There are a number of ways that you can increase your home’s value in the event you decide to sell. Even if you don’t plan to sell, you can enjoy the features yourself.

Decks and Patios

Decks and patios provide you with an outdoor space for entertainment and give you approximately 9 percent ROI on your investment. Patios typically offer the same ROI and provide the same benefits.

Fencing

One of the most jealously guarded assets of any home is privacy and fencing can provide that while improving home values. Fencing also provides efficient camouflage for undesirable elements such as trash bins, utility meters, and AC units. ROI will depend on the scope of the fencing and materials.

Fire Pit

A fire pit can provide an average of 67 percent return on investment, depending on the type of fire pit that’s selected. It’s a good idea to check with the local fire department, county commission or homeowner’s association as there may be restrictions on the type that’s allowed.

Irrigation System

An irrigation system takes the work out of watering and ensures a lush and attractive lawn for curb appeal. It’s an easy solution that will give you about 86 percent ROI, while also saving water and money on your water costs.

Landscaping

Privacy is in high demand and homes that have been landscaped for privacy have the potential to recoup 100 percent of the costs during a sale. You don’t have to spend a lot to create an oasis of calm and privacy. Even a small amount of landscaping can add curb appeal and seal the deal for buyers.

Outdoor Kitchen

An outdoor kitchen can provide approximately 71 percent ROI. Meals can be cooked outside without messing up the indoor kitchen. Your outdoor kitchen can encompass everything from a wet bar and pizza oven to refrigerator and elaborate grill/burner combos.

Pool and Outdoor Shower

A pool is one of the most often added features to a home’s landscaping. An added bonus is an outdoor shower alongside the pool area. The shower can increase home values by up to 7 percent.

Sound System

A sound system is always a bonus and can provide the soundtrack for a patio or pool party to the feel of a tropical island. With modern technology, there’s no need to install an expensive wired system.

Zepco Fence…South Florida’s Premier Fence Company

Since 1981 Zepco Fence has been providing superior quality fence products and installations to all of South Florida Residential and Commercial Property owners.

Serving all of Broward and Palm Beach County areas, we are the #1 Fence Company in South Florida.

We encourage you to contact us below to get started with a free estimate on your next fence project.

Call Today at 954-410-9570

Read more

How to Choose Pet Fencing

Fencing is the easiest and most effective way to protect pets from harm. There are multiple fencing materials from which to choose that will keep a pet safely contained while providing beauty to the home environment. There are multiple elements for individuals to consider when choosing a pet fence.

Size of the Pet

That cute puppy that’s so tiny now will eventually mature into a full-size dog. If a fence is erected with spaces between the uprights, the gaps must be small enough to prevent the pet from slipping between them. Fencing with solid panels offers the most protection since there are no gaps through which an animal can escape. The size of the pet as an adult must also be considered.

Skill Sets

If a pet is seeking an escape route, some will try to jump a fence while others are more likely to attempt a breakout by digging under the fence. Still, others are agile climbers. Some pets develop skills on their own that include opening gates. There’s no way to tell if a pet will be skilled at escapes, but a child-safe gate is always a good option.

Fencing materials are desired that don’t provide any way for a pet to gain purchase with their feet for climbing and fences with an underground safety cable are effective in mitigating under-fence escapes. Be sure the fence is high enough to discourage jumpers.

Maintenance

Some pets are more destructive than others. Wood fencing isn’t a good choice for these pets. Vinyl and metal options require little maintenance and aren’t as likely to be destroyed should a pet become restless or bored.

Raise the Roof

While most people are concerned with fences to keep canines contained, a great many cat owners want to give their feline the benefit of fresh air in a safe manner. The same precautions should be considered when erecting a fence for cats as for other pets, but with the added addition of a securely attached overhead barrier to keep the cat from climbing up and over.

Zepco Fence…South Florida’s Premier Fence Company

Since 1981 Zepco Fence has been providing superior quality fence products and installations to all of South Florida Residential and Commercial Property owners.

Serving all of Broward and Palm Beach County areas, we are the #1 Fence Company in South Florida.

We encourage you to contact us below to get started with a free estimate on your next fence project.

Call Today at 954-410-9570

Follow us on Social Media

Read more

Concealing Eyesores and Toys

A homeowner’s association (HOA) can be a blessing or a distinct disadvantage, depending upon what it is that an individual wants to do with their property. For those that desire uniformity, an HOA provides very specific rules about every aspect of the home and surrounding environment. For individuals that want a little more leeway in what’s in their yard, fencing panels are the ideal solution for concealing things of which an HOA may not approve.

There are many things that an HOA can’t tell residents they can’t have, but depending upon the HOA agreement, individuals may be required to have them out of sight. Features considered an eyesore by an HOA can be camouflaged with fencing panels – just make sure they meet the rules set forth by the HOA in terms of height, material, and color. Don’t erect fence panels without the pre-approval of the HOA. Panels are effective for concealing:

  • Air Conditioning Units
  • Certain Plants
  • Clothesline
  • Electrical Boxes
  • Electric Car Charging Stations
  • Generators
  • Lawn Furniture
  • Outbuildings
  • Satellite Dishes
  • Solar Panels
  • Toys
  • Trash Bins

Out of Sight, Out of Mind

There are many things that an HOA doesn’t want to see and may view as a detraction to the overall plan of the community, even if those items are allowed or essential to the operation of homes – such as electrical boxes. There are dozens of fencing options that can assist individuals to camouflage things that an HOA wants to keep out of sight.

Fencing doesn’t need to encompass an entire property to be effective. Individual panels can be strategically placed to conceal virtually any type of undesirable feature. Modern fencing materials can emulate the look of high-end stone, granite, and wood to provide an elegant appearance that blends tastefully with local surroundings.

Individuals can select from aluminum, PVC, wood, chain link, and SimTek® fencing materials. There are dozens of options for screens to hide unsightly items within a yard. They can also offer a handy foundation for trailing or climbing plants for those that enjoy gardening.

Zepco Fence…South Florida’s Premier Fence Company

Since 1981 Zepco Fence has been providing superior quality fence products and installations to all of South Florida Residential and Commercial Property owners.

Serving all of Broward and Palm Beach County areas, we are the #1 Fence Company in South Florida.

We encourage you to contact us below to get started with a free estimate on your next fence project.

Call Today at 954-410-9570

Follow us on Social Media

Read more
zepco fence - coral springs florida

Tips for Choosing Fence Material for Your Yard

Homeowners have multiple material choices for their fencing. You can choose from metal, PVC, wood, vinyl, composite, SimTek®, and masonry styles with a wealth of design options within each material type. There are pros and cons for each type and you can use the following tips for selecting the fencing materials that best fits your individual needs.

Building Codes and HOAs

Communities often have their own set of building codes about the type, style, color, materials, and height of the fencing that can be erected. If your area has a homeowners association (HOA) your options may be limited to what the HOA allows.

Cost

Fencing and the installation can represent a significant expense and you’ll need to know how much you can or are willing to spend. You may need to budget more to the project or seek a more cost-effective alternative, depending upon what you envision for your property.

Durability

The predations of insect pests, mold, and degradation from wind, rain, sun, and salt spray are very real considerations. The ability of your fence to withstand those elements and the unique climate will also be a consideration for the long-term durability of the fencing you choose.

Maintenance

Some types of fencing require regular inspections and periodic maintenance, while others are almost maintenance-free. Some may need to be painted, stained or sealed. An additional consideration in Florida is hurricanes and the associated damage they can sustain or inflict. Some types of fencing are able to withstand hurricane-force winds.

Objective

It’s important to know why you want a fence. They can be used for beautification, safety and security, to contain children or pets, minimizing road-noise, or to establish boundaries. The reason you want a fence will influence the material that’s selected.

Style

You may want a fence that blends into the surrounding architecture and prevailing styles or you may want something that’s a marked departure that makes your home stand out. You can choose from highly elaborate styles or no-frills options, but you should always research any relevant codes and regulations before making a decision.

Zepco Fence…South Florida’s Premier Fence Company

Since 1981 Zepco Fence has been providing superior quality fence products and installations to all of South Florida Residential and Commercial Property owners.

Serving all of Broward and Palm Beach County areas, we are the #1 Fence Company in South Florida.

We encourage you to contact us below to get started with a free estimate on your next fence project.

Call Today at 954-410-9570

Follow us on Social Media

Read more

Protecting Your new Pup with the Right Fence

Your new puppy will require much the same in the way of fencing as a child. They’re similar to toddlers in that they’re very curious and don’t understand potential dangers. It’s up to you to protect them by taking appropriate precautions and that certainly includes a fenced-in area where they can run, play, and explore in safety.

It’s equally important to have a secure gate that can’t be accessed by random individuals. Sadly, there are unscrupulous people that will steal dogs from their own yard for any number of nefarious purposes. The pups may be used in dog fighting rings, sold to laboratories, or become part of a puppy mill.

If you choose a fence that’s not solid, it’s essential that the spaces between the vertical elements are close enough together that he/she can’t slip between them. Another important consideration will be the size of the pup when he/she’s full grown. A large adult dog can easily escape an enclosure designed to contain a puppy.

The fence will need to be high enough to prevent an adult dog from jumping over it. Some breeds, such as German shepherds, can easily clear a fence. Ensure there’s nothing your dog can jump on to launch himself over the wall. Dog experts suggest installing a six ft. fence.

Jumping isn’t the only thing you’ll need to worry about. Shepherds, Huskies and similar breeds are adept at climbing. Chain link fence isn’t effective for pups that turn out to be climbers.

Not all dogs are diggers, but some are and you’ll need to install a fence that includes an underground cable at the bottom to prevent tunneling escapes.

One of the ways to minimize the desire for a puppy to head for the other side of a fence is to install a solid barrier rather than a see-through option. Dogs that can see objects on the other side are more likely to try to escape, but less likely to bark at what they can’t view.

You’re responsible for the health, safety and welfare of your new pup. There are multiple types of wildlife, most notably alligators, which can and will prey upon your puppy and can scale fences with sufficient motivation. An invisible fence is never an option in Florida and it’s never a good idea to leave a puppy unattended, even within an enclosure.

Zepco Fence…South Florida’s Premier Fence Company

Since 1981 Zepco Fence has been providing superior quality fence products and installations to all of South Florida Residential and Commercial Property owners.

Serving all of Broward and Palm Beach County areas, we are the #1 Fence Company in South Florida.

We encourage you to contact us below to get started with a free estimate on your next fence project.

Call Today at 954-410-9570

Follow us on Social Media

Read more

Does a Fence add Value to Your Home?

Fencing is a decorative addition to any property. However, most individuals don’t know the value that it can add to their homes, particularly if they’re planning to sell in the future. A fence provides one of the best ROI ratios available, making the property more desirable to a wider range of potential buyers. In addition to the monetary and aesthetic value, fencing satisfies a myriad of other desires.

There are specific considerations when erecting a barrier that homeowners should consider when choosing a fence. A fencing professional can help with those decisions. To be an enhancement rather than a detraction, the fencing should complement the character and architecture of the surrounding environment.

One of the biggest benefits to a fenced yard is that it appeals to the elderly and people with children and pets. It provides an extra layer of safety and security from unwelcome humans entering the space and it’s a definite deterrent to incursions by a wide variety of wildlife.

For those that crave privacy and relief from road noises, a fence can be the perfect solution. Advanced technology has made possible fencing options able to buffer up to 95 percent of sound, while also providing the privacy that so many people desperately seek.

Homes with a pool are required to maintain a fence that prevents access by small children. The pool will be a draw for many buyers and the fence provides safety for youngsters, the elderly, and pets. Having a pool and the fencing already installed is a powerful incentive for many people.

Fencing can also be utilized to conceal unsightly features such as air conditioning units, trash cans, and generators. It prevents individuals from falling off slopes, bluffs and cliffs on the property, thereby mitigating the potential for a lawsuit. Fencing materials can mimic the look of wood or granite to meet aesthetic considerations. Fencing is also available that will withstand hurricane force winds, a feature that will definitely add value to any Florida home.

Zepco Fence…South Florida’s Premier Fence Company

Since 1981 Zepco Fence has been providing superior quality fence products and installations to all of South Florida Residential and Commercial Property owners.

Serving all of Broward and Palm Beach County areas, we are the #1 Fence Company in South Florida.

We encourage you to contact us below to get started with a free estimate on your next fence project.

Call Today at 954-410-9570

Follow us on Social Media

Read more

6 Things to Know Before Hiring a Fence Company

A fence can function in a variety of capacities, from minimizing street noise to containing children and pets. It’s important to ensure the chosen fencing contractor is qualified, cognizant of local fence rules and ordinances, and that individuals have some idea of what type of fence they want.

It’s never a good idea for a fence to become a DIY project. It can conceivably require the better part of the summer to complete, while a qualified fencing company can perform the required work in a day or so, depending upon the area to be fenced. There are a myriad of steps individuals can take to facilitate the process.

  1. Reason for Fencing

Clients should know why they want a fence. It could be for privacy, security, beautification, to minimize road noise, establish boundaries, or safety. Those factors will impact the type of fencing and materials selected.

  1. Type of Fencing

Individuals have a wide range of fencing options and innovative materials from which to choose. Some are better for specific uses, while others are multi-functional. The fencing should blend with existing architecture, features, and aesthetic concerns.

  1. Multiple Estimates

Don’t agree to the first estimate received. Optimally, individuals should obtain three estimates. It will allow clients to select the combination of pricing, quality, materials, and installation that best fits their individual needs.

  1. Estimators

Even with an online estimate, at some point an estimator will make an on-site visit to view the area to be fenced. Make the estimator aware of any slopes, obstructions, adjoining fences, and access to the work site that could affect cost and installation time.

  1. Pertinent Questions

It’s essential that clients ask if the company will obtain needed permits, knows local zoning regulations, and any setback requirements. The company should also be responsible for contacting utility companies to identify underground lines.

If the area has a slope, clients need to know if the fencing will be uniformly the same height or if it will vary according to the slope. Make sure any hardware is included in the price, the installation timeline, and the fine details of warranties and guarantees.

  1. Red Flags

Once individuals have performed their research and narrowed their contractor choices to three, there are some red flags of which individuals should be aware. Pass on a contractor that:

  • Refuses to provide a written estimate
  • Utilizes pressure tactics for clients to make an immediate decision
  • Requires cash payments only

Zepco Fence…South Florida’s Premier Fence Company

Since 1981 Zepco Fence has been providing superior quality fence products and installations to all of South Florida Residential and Commercial Property owners.

Serving all of Broward and Palm Beach County areas, we are the #1 Fence Company in South Florida.

We encourage you to contact us below to get started with a free estimate on your next fence project.

Call Today at 954-410-9570

Follow us on Social Media

Read more

Fence Embellishments

Fencing no longer conforms to strictly utilitarian constructs. The barriers are being embellished and decorated in a myriad of ways. Fence art encompasses a variety of items and is only limited to what the imagination can envision.

Lighting

Individuals can choose from an extensive array of solar lighting solutions that utilize decorative post caps to add beauty and distinction to any fence. There are also wired options, along with rope and LED lights to consider.

Plants

Potted plants and hanging baskets are easy ways to satisfy a desire for greenery. Planters and hanging baskets on fencing offers the advantage of vertical planting, allowing individuals to expand their growing options while beautifying their fence. Popular planters include decorative metal buckets, recycled tires, and those in the shape of picture frames.

Outdoor Décor

The market for outdoor fence décor has blossomed across the nation. Individuals can purchase metal décor featuring birds, butterflies, fanciful insects, and fantastical creatures to hang on the fence, along with small statues of everything from animals to angels that are designed to peek over fence tops.

Silhouettes

These are known by various names, but essentially they’re wooden or metal cutouts in the shape of people, plants or animals that can be painted and hung on fences.

Birdhouses

A single decorative birdhouse – or several – can be attached to a fence in multiple ways. They also provide nesting places for birds that help keep down insect populations.

Shelving

Hanging a decorative shelf on a fence offers a wealth of options. They can be used to hold and display anything from plants and statues to other favorite items that individuals want to show off. It’s an especially creative way to display smaller items and keep them off the ground.

Trivets

A trivet isn’t just for protecting tabletops from hot pots. They make excellent decorations and offer an ideal way to exhibit similar types of artistic elements.

Zepco Fence…South Florida’s Premier Fence Company

Since 1981 Zepco Fence has been providing superior quality fence products and installations to all of South Florida Residential and Commercial Property owners.

Serving all of Broward and Palm Beach County areas, we are the #1 Fence Company in South Florida.

We encourage you to contact us below to get started with a free estimate on your next fence project.

Call Today at 954-410-9570

Follow us on Social Media

Read more
pvc fence company

Keeping Your new Home Safe

Safety in your new home is one of the thoughts that should be paramount in your mind. There are some basic measures you can take to help deter would-be prowlers and intruders. The methods are equally effective if you’re going on vacation or if you have long commutes and work hours. In the excitement of moving in, it’s easy to forget that 73 percent of burglaries and break-ins occur in residential neighborhoods.

Alarm Systems

Installing an alarm system is a basic safety precaution that may also save you on homeowner’s insurance costs. If your new home comes equipped with an alarm system, change the code immediately. Ensure windows have a sticker indicating the home is protected by a security system and place one in the front yard. It’s proven to discourage anyone targeting the home.

Landscaping

Be sure to keep hedges trimmed and growth around doors and windows to a minimum and at a height of no more than three feet to deter crime. Planting prickly or spiky bushes near windows also helps. Mulch them with gravel – the sound of crunching gravel is a definite deterrent.

Lights

Homes that are well-lit are unappealing to thieves and burglars. Invest in some inexpensive timers for different areas of the home. It’s also helpful to alternate the rooms that are lit. The same light in the same window every night establishes a pattern that can be easily tracked by intruders. TVs can typically be set to go on at specific times from the device itself. Smart timers are also available that can be set and monitored from your phone.

Locks

Changing the locks should be at the top of every new homeowner’s to-do list. You never know who might have a key to the existing locks, from local teens to the neighbor across the street.

Motion Detectors

For outdoor usage, few items are as effective and inexpensive as motion detector lighting. The devices should be installed on all four sides of the dwelling. Additional motion detector floodlights should be installed in particularly dark areas or those where people could easily hide.

Video Doorbell

Video doorbells are a smart way to monitor who comes to your door, whether it’s a delivery driver or the mailman. A common ploy used by burglars is to ring the doorbell first to see if anyone answers. A video doorbell will notify you if anyone is at the door via your phone no matter where you happen to be and allow you to respond. You’ll never have to open the door without knowing who is on the other side.

Zepco Fence…South Florida’s Premier Fence Company

Since 1981 Zepco Fence has been providing superior quality fence products and installations to all of South Florida Residential and Commercial Property owners.

Serving all of Broward and Palm Beach County areas, we are the #1 Fence Company in South Florida.

We encourage you to contact us below to get started with a free estimate on your next fence project.

Call Today at 954-410-9570

Follow us on Social Media

Read more