Home owners often don’t understand the extent of the coverage their home insurance policies provide. The good news is that homeowner’s insurance will cover damage to a fence – provided the damage was due to a covered cause. Depending on the policy, a covered cause may include damage due to a fire, storm, wind or vandalism.

Trees and Storms

If a neighbor’s tree or limb falls on a fence, a homeowner’s policy will typically pay to repair the damage. The same is usually true if a neighbor is cutting branches on their own tree and it damages the policy holder’s fence. Home owners should know that even if the insurance company covers the damage, they may seek to recover the money they paid out on the claim from the neighbor.

The situation can be different and no coverage provided if the insurance company decides the damage could have been prevented or avoided through regular upkeep and maintenance, or if the damage was due to the policy holder’s negligence. In hurricane prone South Florida, an insurance company may exclude damage caused by flooding and winds from the average homeowner’s policy.

Car Crash

While it’s not a regular occurrence, there are instances in which a vehicle leaves the road and crashes into a fence. A homeowner’s policy should pay for the damages. Typically, the driver of the offending vehicle is liable for the damage and their auto policy is responsible for paying for the damage. The home owner’s insurance company may fix the fence, while seeking restitution from the offending driver.

Not Covered

Damage occurring from normal wear, tear and aging of a fence isn’t covered under a homeowner’s policy. Insurance companies won’t pay for damage due to mold, fungus, termites and other detrimental insect pests. Dings and dents from lawnmowers aren’t covered. If damage to a fence was due to vandalism or a vehicle crashed into it, filing a police report is essential and may even be required by the insurance company.

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.