FenceWhen storms roll through your area, they can cause a significant amount of damage to your home and surrounding structures. For example, a tree can be struck by lightning, fall to the ground and damage your fence in the process. When this happens, you likely have a great deal of loss to overcome, including the cleanup of the tree and the damage to your fence. The question is whether your home insurance will cover the costs related to these types of incidents.

Understanding Your Policy

It is important for homeowners to know the details of their home insurance policy to ensure they have the right information. In most cases, homeowners can expect their home insurance policy to cover damage to a structural fence. Most policies will have a component for protecting other structures on the property. These typically cover things such as your shed or garage, but it can also cover fencing. In some cases, it may not cover losses to fences that are not structurally sound. Whether your fence is damaged because of the storm directly — such as from wind damage — or because of something falling on it as a result of a storm, it is generally going to have some coverage as long as the factor causing the damage is an included peril.

Which Limitations Exist?

There are some situations in which your home insurance may not cover your losses. For example, if the tree falls on your fence because it was not cared for, the damage may not be covered. Home insurance covers losses related to damage that is sudden and unavoidable; poor care of your trees may not fit this definition. If the tree is your neighbor's and it damages your fence, the neighbor's insurance may cover the incident, or your policy may cover it – as long as it is brought on by a covered peril such as a storm. If flooding or another type of incident that's excluded from your coverage causes the damage, your insurance company may not cover it.

Having a comprehensive home insurance policy is very important for risks like this. It can cost thousands of dollars to replace some fences after a storm. Be sure you know what your existing policy protects you from before such an event takes place.

Do you know the benefits of your policy? Call Fulton Agency, Inc. at (954) 752-8610 for more information on the Florida home insurance policies we offer.
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