The short answer
What Your Policy Usually Covers
Most home insurance policies treat a fence as an 'other structure' on your property. That means it is often covered for the same named perils as your home, such as fire, lightning, wind, hail, and vandalism. If a tree falls on your fence during a storm, the repair cost may be covered, minus your deductible.
However, the coverage limit for other structures is usually a percentage of your dwelling coverage, often around 10 percent. That percentage can vary, so check your policy declarations page to see the exact limit for your fence. If your fence is particularly large or expensive, that limit might not be enough to rebuild it fully.
- Fire and smoke damage
- Wind and hail storms
- Lightning strikes
- Falling trees or branches
- Vandalism or theft
- Vehicle impact (if not your own car)
What Is Not Covered
Your fence is generally not covered for damage from gradual wear and tear, rot, insect infestation, or poor maintenance. If your fence simply ages and deteriorates over time, your insurance will not pay to replace it. Similarly, if tree roots from your yard crack the fence posts, that is likely considered a maintenance issue.
Flood damage is also typically excluded from standard home policies. If a flood from heavy rain or rising water damages your fence, you would need separate flood insurance. Hail and thunderstorms can occur in many regions, so check if your policy includes hail coverage for structures like your fence. Policies vary, and your insurer decides what is covered.
Policies vary, and your insurer decides what is covered.
How to Check Your Coverage
Start by reading your home insurance policy's declarations page and the section on 'other structures' or 'structures on the premises.' Look for the coverage limit and the list of perils that apply. If you cannot find the details, call your insurance agent and ask directly about fence coverage.
Keep a copy of your policy handy and review it before severe weather season. Knowing what your fence is covered for ahead of time helps you plan for repairs if a storm hits. You can also ask your insurer about adding an endorsement to increase coverage if needed.
What to Do After Fence Damage
If your fence is damaged, document the damage with photos and note the date and cause. Your insurance company will need this information to process a claim. Do not start permanent repairs until you have spoken with your insurer, as they may want to inspect the damage first.
Temporary measures like boarding up a gap or tarping a fallen section are fine to prevent further issues. Keep receipts for any temporary materials, as they may be reimbursable. Then contact your insurance company to file a claim and ask about your deductible and coverage details.
When to Consider a Pro
If your fence is damaged and your claim is approved, you may need help with repairs. Fence repair can involve digging out posts, replacing panels, and ensuring proper alignment. Local water damage pros often handle structural repairs after storms, including fence work, but you can also hire a general contractor or fencing specialist.
For water-related fence damage, like rot from ground moisture or flooding, a water damage professional can assess the extent and help dry out affected areas. They can also check for hidden damage to nearby structures, such as your home's foundation or subfloor. If you need an inspection, consider scheduling a water damage inspection to catch any issues early.
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Call Now (469) 698-4610Frequently asked questions
Does my home insurance cover fence damage from a storm?
Usually, yes, if the storm is a covered peril like wind, hail, or lightning. Check your policy for the named perils and your other structures limit. If the damage is from flooding, you may need separate flood insurance.
What if my fence is old and falls apart?
Wear and tear and lack of maintenance are not covered by home insurance. If your fence simply rots or collapses due to age, you are responsible for the repair or replacement. Regular upkeep can help prevent this.
Can I increase my fence coverage?
Yes, you can often add an endorsement or rider to your policy to increase the other structures limit or add specific perils. Contact your insurer to ask about your options and any additional cost. Policies vary, so check your policy details.