Replacing a fence can be costly. This is why it is so important to know whether you are responsible for replacing your fence or whether your homeowner’s insurance will cover any damage or a possible fence replacement. At Wellspring Insurance Network Inc. serving Frederick, MD, we want to help you understand when a fence may be covered by home insurance. Here are three scenarios in which a fence would be covered.
Due to a Falling Tree
If your neighbor’s tree falls on your fence, or if a tree from your yard falls unexpectedly, the damage done to the fence or the cost to replace the fence may be covered by your homeowner’s insurance policy. The only time damage from a tree is not covered is if the tree collapsed or damaged the fence due to your neglect, such as failing to trim back your tree.
Thanks to a Storm
Another common event that can damage your fence is a storm. Heavy rains or strong wind gusts can knock a fence over. If your fence topples due to a storm that has passed through, and your fence was otherwise in relatively good shape, homeowners insurance may pay for repairs or the cost to replace the fence.
When Vandalism Is Involved
The final reason a fence may be covered by home insurance is due to vandalism. If someone spray paints your fence, the repair, cleaning or replacement costs may be covered by your homeowner’s insurance policy.
Many homeowners do not realize everything that their homeowner’s policy may or may not cover. Here at Wellspring Insurance Network Inc. serving the greater Frederick, MD area, we are committed to helping homeowners understand the ins and outs of their homeowner’s insurance policies. Call us now with any questions you may have or to obtain a price quote for a new policy.