Homeowners insurance policies can be complex, and many homeowners in North Dallas wonder if their fence repairs will be covered. Generally, fence repairs might be covered by homeowners insurance if the damage is due to a covered peril. These perils typically include things like storms, vandalism, or accidents involving vehicles. However, normal wear and tear or neglect usually aren’t covered.

Homeowners insurance usually covers damage caused by:

• Storms and Natural Disasters: Damage from high winds, hail, or lightning. For example, the storm in May 2024 in Dallas caused significant fence damage, with Fence Makeovers busy repairing and replacing damaged fences.
• Vandalism: If someone intentionally damages your fence.
• Accidents: If a vehicle crashes into your fence.
• Fallen Trees: If a tree falls on your fence due to a storm or disease.

It’s essential to read your policy carefully to understand what is and isn’t covered.

Here are some major insurance carriers that offer homeowners insurance and their general stance on fence repair coverage:

• State Farm: Typically covers damage to fences caused by covered perils.
• Allstate: Offers comprehensive coverage for fences, often including storm and accident damage.
• Geico: Includes fence repair under their homeowners insurance policies for covered events.
• Liberty Mutual: Provides coverage for fences damaged by covered perils such as storms and vandalism.

1. Document the Damage: Take photos and make notes about the extent of the damage. The more detailed you are the more likely the process will go smoothly.
2. Contact Your Insurance Provider: Calling the claims processor is usually the best place to start. Inform them about the damage as soon as possible.
3. Get an Estimate: Contact a fence repair company like Fence Makeovers to get a detailed estimate.
4. Submit Your Claim: Provide all necessary documentation and the estimate to your insurance company.
5. Follow Up: Keep in touch with your insurance provider to ensure your claim is processed promptly.

Fence Makeovers offers free estimates and provides a 30-day written guarantee, ensuring you receive high-quality service and support throughout the repair process.

While many types of damage might be covered, there are common exclusions:

• Wear and Tear: Normal aging or deterioration of your fence.
• Neglect: Failure to maintain the fence.
• Non-Covered Perils: Damage from events not covered by your policy, like earthquakes or floods, if not included in your standard policy.

To increase the likelihood of a successful claim:

• Regular Maintenance: Keep your fence in good condition to avoid claims being denied due to neglect.
• Prompt Reporting: Report the damage as soon as it occurs.
• Detailed Documentation: Provide as much detail and evidence as possible when filing your claim.

Filing a claim for fence repair can seem daunting, but following these steps can simplify the process:

1. Initial Assessment: Once you notice the damage, assess whether it’s significant enough to warrant a claim. For minor repairs, it might be more cost-effective to handle it out-of-pocket. Most insurance is now based off a 1 or 2% deductible meaning if your home is $300,000 the deductible will be approximately $3000-$6000
2. Contact Your Insurance Agent: Discuss the damage and confirm that it is covered under your policy. Your agent can guide you through the next steps.
3. Collect Evidence: Take clear photos from multiple angles, and if possible, capture videos. Document the date and cause of the damage. Detailed evidence is crucial for a successful claim.
4. Obtain Professional Estimates: Contact a reputable fence repair company like Fence Makeovers for a Free estimate. They can provide a written estimate detailing the necessary repairs or replacements.
5. Submit the Claim: Fill out the necessary claim forms provided by your insurance company. Attach the evidence and the free detailed estimate to your claim.
6. Follow Up Regularly: Stay in contact with your insurance company. Regular follow-ups can help expedite the process and ensure there are no unnecessary delays.

1. Is normal wear and tear covered by homeowners insurance? No, homeowners insurance typically does not cover damage due to normal wear and tear or neglect.

2. Can I get coverage for a fallen tree that wasn’t on my property? Yes, if the tree falls due to a covered peril and damages your fence, your insurance might cover the repair.

3. How can I prove the damage was caused by a covered peril? Providing photos, videos, and third-party assessments can help prove the cause of the damage.

4. Will my premiums increase after a claim? It’s possible, as any claim can potentially affect your premiums. It’s best to discuss this with your insurance provider.

5. How long does it take to process a claim for fence repair? This varies by insurer, but having all necessary documentation and promptly reporting the damage can speed up the process.

Understanding whether fence repair is covered by homeowners insurance in North Dallas involves knowing the specifics of your policy and the common perils that are covered. By maintaining your fence, documenting damage, and promptly reporting it, you can ensure that you are prepared in the event that you need to file a claim. For personalized advice and reliable fence repair services, contact Fence Makeovers today.

Fence Makeovers offers free estimates and a 30-day written guarantee, providing peace of mind and quality service to all their clients. Fence Makeovers has been a member of the BBB since 2004 with an A+ rating and zero complaints.

If your fence has been damaged and you need assistance determining if your homeowners insurance will cover the repair, don’t hesitate to reach out to us. Contact Fence Makeovers today for a free estimate and let our experienced team help you navigate the insurance claim process.

Call us at 972-769-2555 to schedule your free estimate. Protect your property and ensure your fence is in top condition with the trusted services of Fence Makeovers.