Damage to Fences, should you file a claim?

Our answer in most cases is a resounding NO, but let us explain…

Fencing is typically included on your home insurance policy as part of your detached structure coverage also referred to as Other Structures or Coverage B. The default coverage amount is a percentage (usually 10%) of the home policy’s dwelling coverage.

So technically there is coverage for this type of damage including the debris removal less your deductible whatever that amount may be, however, with Insurance carriers raising rates exponentially and buckling down on eligibility for claims frequency, a small (somewhat insignificant) loss like fence damage could mean the deciding factor for a carrier discontinuing coverage should you have a larger more catastrophic loss say 2 years later.

Now, if you have sustained a large loss to your home and the fence was also damaged, by all means include that damage to the full claim.

This advice can also be related to any small loss (say $5000 or so) that you will regret making if you end up having to a file a larger more catastrophic loss later.

Please keep that in mind, get damage repair estimates first before filing a claim (if you can) and don’t ever hesitate to contact me or a member of our team for advice at (425)212-3505.