Does Your Home Insurance Cover A Damaged Fence?

 

A white picket fence around a house
house-fence

 As a homeowner, it is understandable that you would try to insure every part of your property. While many insurance companies offer a variety of insurance services, some accidents, such as a fallen or damaged fence, may or may not be a part of your insurance policy.

Your home insurance providers may grant your claim if the cause of loss is covered by your policy. However, you should discuss the specifics of coverage before you subscribe to a policy.

Here are a few common ways your fence might be damaged, and if they are usually covered by insurance policies.

Common Fence Damage And Insurance Coverage

1. A tree in your yard falls on the fence

Insurance policies cover unforeseeable situations. If a healthy tree falls due to whatever reason, your insurance company will likely compensate you for the damage. However, if a weak tree that looked like it might fall damages your fence, you may lose your claim due to negligence and carelessness.

2. Your neighbor's tree damages your fence

If your neighbor's unhealthy tree falls on your property and causes damage, your insurance policy will hold them accountable for their negligence. Some state laws may hold both of you responsible in such a case for not reporting a need for maintenance. In any case, your insurance provider will investigate the case before accommodating your claim.

3. Natural disasters or damage by vandalism

Your insurance will most likely cover storms, vandalism, and unexpected disasters when your fence is involved. When knocked down by storms, your coverage limit will make up for part of the damage. In case of vandalism, it might be useful to report the damage to the local police to avoid future mishaps.

4. A car crash damages your fence  

A car crash is typically covered by home insurance policies. Car crashes, due to a variety of reasons cause frequent property damage to many houses, and since such incidents are unpredictable, they are covered under most insurance policies.

A broken wooden fence surrounded by grass
broken-fence

Property can be damaged in many ways, but home insurance policies usually cover anything that couldn't be predicted. That said, before you sign up for any type of policy, go over its technicalities with your policy provider.

Seeking Reliable Home Insurance in Springfield? Contact Western Mass Auto Insurance Today!

Western Mass Auto Insurance offers cheap car insurance, renters insurance, and home insurance in Springfield. Based in Indian Orchard and Forest Park, they provide full registry services and insure vehicles in 15 minutes. Get in touch with them to find out more about their services.

 

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