Yes, homeowners insurance can cover fences knocked down by wind and other wind-related damage, as long as your policy doesn't exclude wind coverage. Your home insurance will cover the costs of damage to your fence, depending on the cause of the damage. The coverage of other structures in your home insurance policy covers damage to the fence caused by storms and acts of vandalism, but not by blows from a lawnmower or landscaping that went wrong. As for the amount of coverage, most policies cover damage to fences up to a certain percentage of the total coverage of the policy, usually 10%.
Regular homeowners insurance doesn't cover damage caused by the hurricane, but additional insurance may be available. Homeowners insurance that includes hurricane coverage can be expensive in areas where hurricanes often damage homes. Coverage may also have a high deductible amount, which the landlord is responsible for paying in the event of a covered claim. Even with hurricane insurance, flood damage may not be covered, unless you have federal insurance.
Read and understand the terms, limits and exclusions of the policy. If you have hurricane insurance, damage to a fence could be covered after paying the deductible and within the dollar amounts of the policy. In addition, filing a claim against driver liability insurance can help cover the full costs if your home policy can't cover all of the costs. If your neighbor's neglected tree falls on your fence, your home insurance provider may choose to sue you to recover the cost of the damage, but ultimately, your policy should cover it.
If a storm causes the wind to knock down or damage your fence, your home insurance policy will cover the damage up to the limits of your coverage. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion expressly set forth in any insurance policy. However, you may be able to avoid filing a claim against your home insurance if you file a claim against car insurance for liability for damage to the driver's property. Regardless of whether it was your tree that fell on your fence or your neighbor's tree, if the tree was presumably healthy before the storm or natural damage, your homeowner's insurance policy should cover the fall.
In some states and regions, damage caused by windstorms may be covered within the limits of the homeowner's insurance policy. Hurricanes, earthquakes and floods can commonly be referred to as fortuitous events, although insurance policies are unlikely to make this reference. Once you've got your quote, contact your insurance company and follow the process to file a home insurance claim. The insurance company will then send an insurance adjuster to assess the damages themselves and determine what damages are covered, if any.
The first thing to do is file a claim and notify the driver's car insurance provider, based on their property damage liability insurance plan (which all states require). Yes, homeowners insurance can cover fences knocked down by wind and other wind-related damage, as long as your policy doesn't exclude wind coverage.
