Does Homeowners Insurance Cover Blown Down Fences

Homeowners insurance is a type of property insurance and is designed to protect you, the homeowner, from unforeseen financial losses. One of the most common questions associated with homeowners insurance is whether or not it covers blown down fences. The answer depends on your policy and the specifics of the situation. Read on to learn more about this common question!

Table Of Content:

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• FAQ: Homeowners insurance and disaster claims
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• Does homeowners insurance cover blown-down fences?
• What to Do If Your Fence Gets Blown Over
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• Does Homeowners Insurance Cover Fences?

Does homeowners insurance cover fence damage caused by natural disasters?

Yes, typically. Most standard home insurance policies provide coverage for damage caused by windstorms such as hurricanes or tornadoes, as well as other natural disasters such as hail storms and earthquakes. If your fence is damaged during these events, your home insurance can pay for its repair or replacement.

What if my fence was already weakened before the storm hit?

Unfortunately, homeowners insurance typically won’t cover pre-existing damages that were not properly taken care of before the event happened. It may be worth checking with your provider in case they have an option to cover pre-existing damages in certain situations.

Do I need special coverage if I live in an area prone to windstorms?

Yes, it's a good idea to consider adding extra protection if you live in an area that often experiences severe weather events like hurricanes or tornadoes that commonly cause fence damages. Some companies offer additional coverage for windstorm related fence damage that may be able to help you recover some of the costs associated with repairing or replacing your structure.

Are there any instances when I would be responsible for paying out-of-pocket for windstorm related fence damage?

In most cases no; however, some companies do impose deductibles and caps on their policies which could mean you will end up covering part or all of the cost depending on where it falls within those set parameters.

Conclusion:
Homeowners insurance does generally cover blown down fences caused by windstorms and other natural disasters; however, certain factors can influence whether you are eligible for coverage or not. It's important to review your existing policy carefully so that you know what is covered and whether extra measures should be taken in order to make sure pre-existing damages are accounted for in case of a disaster.