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The answer to the question of whether fences are covered by homeowners insurance depends on the provisions of your policy and the cause of damage to the fences. Let us talk about everything there is to know regarding this topic.
Standard homeowners insurance covers the following:
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Generally, fences fall under the detached or other structures provision of a homeowners insurance. So it is safe to say that yes, it may be covered by your homeowners insurance. But, it still depends on what caused the damage.
Damage to your fences may be covered by your homeowner's insurance if:
Damages to your fence may not be covered by your homeowners insurance if:
Filing for a homeowners insurance claim in cases where your fence becomes damaged has several steps to follow. Before you can file, you need to do several things first.
It is standard procedure to take pictures of the damages. You need to take pictures on several angles of the damaged area. So before touching it or cleaning it up, take pictures. Make sure the pictures you take will show what caused the damages. For vandalism and car damage (by other people’s car, of course), it may be supported by a police report.
Police may be filed in cases when your fence was vandalized or damaged by a neighbor’s or other people’s car. This will serve as proof of the incident.
Next step is to contact a contractor and have him estimate the damages. If the estimated cost is less than the deductible cost, then it would be better if you paid for the repairs yourself.
After you are done taking pictures, filing a police report, and having the damage estimated, you can now go to the filing of claims.
When getting a homeowners insurance, always remember to read all documents before you agree to by signing it. This way you will know what provisions are included in your homeowner’s insurance.
If you find an item or two hard to comprehend, you are advised to ask your agent about it and have it explained to you in simple terms. Understanding your insurance policy properly will help you know your options in cases where you might have to file for a homeowners insurance claim.