|Fence Repair &
|Area Enclosures handles all types of fence repair and insurance claims in Bucks County, PA.|
Fence Repair & Insurance Claims
Weather-Related Fence Damage and your Homeowner Policy
On a typical Homeowner Insurance policy, weather-related damage to your fence is covered under 'Other Structures' (Coverage B) - subject to, or minus, the amount of your deductible. Additionally, for insurance purposes there are 2 types of fences - and each case is handled differently:
What's Typically Covered - and What's Not
Fence and fence structures are subject to damage due to high winds, torrential rains, heavy snowfall, vehicular accidents, termites, vandalism, earthquakes and falling trees and branches - usually due to high winds.
Some of the above mentioned risk factors are covered by your homeowner insurance policy and some may not be (depending on your coverage). For the most part, with damage due to natural causes, excepting earthquakes and floods (which require a dedicated policy), there is no party who is "at fault." In other words, if a tree damages your fence, it doesn't matter who owns the tree - it only matters who owns the damaged item; bottom line - if you own the fence, your homeowners insurance should cover it (namely - the cost of the repair and restoration of that fence to it's previous condition).
The Deductible VS Actual Cost of Repair
POSSIBLE CASE SCENARIOS:
Whatever fault or liability may exist, in any particular instance, or not, always check with your agent first - ask questions! It is incumbent upon you, the policy holder, to verify with your insurer the terms and conditions that apply in each particular case, and in the event of an incident where damages occur, to promptly report and file a claim.
Claims for Other Types of Damage
If your fence was damaged by a vehicle or vandalism - or otherwise unknown cause:
Other than that, whether for residential or business claims, the criteria used for establishing insurance coverages are fundamentally the same from state to state, but may vary according to the particular climate conditions or anomolies for a specific state or region.
We have over 20 years experience dealing with insurance companies and claims adjustors and can help
you to file your claim and handle all necessary repairs to have your fence restored to like-new
Call us at (215) 269-6509 for a prompt and accurate
estimate (at no charge) or email us at firstname.lastname@example.org -
or use our Contact Form.
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