Depending on the cause of the damage, your homeowner's insurance will pay the repair costs for your fence. Your house insurance policy's "other structures" coverage covers damage to your fence caused by storms and vandalism but not by lawnmowers or improper landscaping. Most policies cover fence damage up to a particular percentage of the policy's total coverage, typically 10 percent.
If a storm-caused windstorm damages or destroys your fence, your homeowner's insurance will cover the loss up to the policy's coverage limitations. In the event that your fence is vandalized, it will also be covered by your homeowner's insurance. If damage to your fence was caused by someone other than a storm or force of nature, you should also call your local police department to submit a police report.
Your homeowner's insurance will cover fence damage based on how the damage occurred, according to the policy's limits. For example, fence damage caused by a flood or earthquake is excluded from basic coverage.
Ordinary homeowners' insurance do not cover mold, fungus, termite infestation, landscaping accident, and natural wear and tear. If your home is not insured against a certain risk, neither is your fence.
Typically, your coverage for structures other than your primary residence is limited to 10% of your entire policy coverage. For instance, if you have $200,000 of coverage on your home, the "other structures" coverage will be capped at $20,000, indicating that your insurer will compensate you for a maximum of $20,000 in damages.
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