Home insurance can help pay for damage to your fence or shed, as well as other structures on your property. This may include a detached garage or gazebo.
Here's more on typical events covered under this portion of your home insurance policy.
Other Structures Coverage
Home insurance for other structures protects structures located on the property, not attached to your primary dwelling. This could include a storage shed, barn, fence, or guest house. An extended replacement clause doesn't apply to other structures coverage. So, if you have unusual structures not typically found in a single-family home, you may need to purchase additional other structures coverage.
What If Your Tree Falls On A Covered Structure?
If a healthy tree falls on your fence or detached garage, your home insurance policy would likely reimburse you for repairs. This might cover the cost to replace or repair the structure as well as the cost to remove debris so repairs can begin.
What If The Neighbor's Tree Causes The Damage?
Check with your Berryhill Insurance Group agent to understand what your policy covers. Every insurer and policy vary slightly. In general, it doesn't matter who the tree belongs to. If the tree lands on your fence, your insurance company handles the claim.
However, there are exceptions. For example, if the tree was weak due to poor maintenance or disease, your insurer may attempt to recover costs from your neighbor's insurance company. If this happens, you could get your deductible back.
Is Storm Damage Covered?
Home insurance often covers wind-related damage to your fence and other structures. This includes damage due to a tornado or storm. Wait until it's safe to leave your home, then take photos of your damaged fence for insurance purposes. This can help speed up the claims process and provide evidence for the claim adjustor.
When Should You File A Claim?
Some homeowners get an estimate of what it would cost to repair the damage. If the estimate exceeds your deductible, you might want to file a claim. If the estimate is lower than your deductible, you may want to avoid filing a claim.
Other structures coverage typically covers up to a percentage of the total amount you are insured for. For many policies, this comes to 10 percent of your total home insurance maximum. Review the coverage amount of each portion of your home insurance policy with your Berryhill Insurance Group agent.
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