The short answer
What Your Policy Usually Covers
Most house insurance policies include coverage for structures on your property that are not attached to your home, such as fences, sheds, and detached garages. This coverage is often a percentage of your dwelling coverage, so the amount available for your fence depends on your overall policy limits.
Damage from sudden events like windstorms, hail, fire, or a vehicle hitting your fence is typically covered. In Daytona Beach, keep in mind that hurricane season can bring strong winds, so check your policy for specific windstorm provisions. Policies vary, and your insurer decides what is covered.
- Wind and hail damage
- Fire and smoke damage
- Vehicle impact
- Vandalism or theft
- Sudden accidental damage
What Is Not Covered
Flood damage is almost always excluded from standard house insurance. If a storm surge or rising water damages your fence, you would need separate flood insurance. Similarly, gradual wear and tear, rot, termite damage, and neglect are not covered because they are considered maintenance issues.
If your fence is old or poorly maintained, your claim may be denied. The pros cannot change what your policy covers, but they can help you document damage for your insurance company. Always take photos and note the date and cause of damage.
How to Check Your Coverage
Start by reading your policy documents or contacting your insurance company to ask about coverage for other structures. Look for the section that lists what is included, such as fences, and note the coverage limit and any exclusions. Your agent can explain the details.
If you are unsure, ask about specific scenarios like hurricane wind or flooding. Keep records of your fence's age, condition, and any repairs. This information helps if you need to file a claim.
- Review your policy declarations page
- Ask about other structures coverage
- Note your deductible
- Check for windstorm exclusions
- Ask about flood insurance options
Filing a Claim for Fence Damage
If your fence is damaged, document everything before making any repairs. Take photos from multiple angles, note the date and cause, and keep receipts for any temporary fixes. Contact your insurance company to report the damage and start the claims process.
Your insurer will likely send an adjuster to assess the damage. You can also ask a local contractor or a water damage pro for an opinion on repair costs, but remember that final coverage decisions rest with your insurance company. Be honest and provide all requested information.
When to Consider Repairs or Replacement
If your fence is damaged and your claim is approved, you can use the payout to repair or replace it. If the damage is minor, you might handle it yourself or hire a local handyman. For larger damage, a professional can help with removal and installation.
If your fence is not covered, you may still need to repair it for safety or appearance. Compare costs and consider the age of your fence. Sometimes replacing an old fence is more practical than repairing it.
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Call Now (386) 272-5697Frequently asked questions
Does my fence have to be attached to my house to be covered?
No, fences are usually considered other structures and are covered even if they are detached from your home. Coverage is typically a percentage of your dwelling limit, so check your policy for the exact amount.
Will my insurance cover fence damage from a hurricane?
Hurricane wind damage is often covered under standard policies, but some policies have separate windstorm deductibles. Flood damage from storm surge is not covered. Check your policy and ask your insurer about hurricane-specific provisions.
What should I do if my fence is damaged by a falling tree?
If a tree falls on your fence, document the damage and file a claim. Coverage depends on the cause, such as wind or storm, and your policy terms. Your insurance company will determine if the damage is covered.