Are Fences, Garages, And Sheds Covered After Wind Damage?
Coverage for Detached Structures
In many homeowners' insurance policies, fences, garages, and sheds are considered detached structures, meaning they are separate from the main house. In the state of Texas, are typically covered under a section of the policy called “other structures coverage.”
If windstorms, tornadoes, or severe thunderstorms damage these structures, the policy may help pay for repairs or replacement. However, coverage depends on the cause of the damage and the limits outlined in the policy.
What Types of Wind Damage Are Usually Covered
Most homeowners' insurance policies cover damage caused by strong winds, including tornadoes and severe thunderstorms. If wind knocks down a fence, tears apart a shed, or damages a detached garage, the claim may qualify for coverage.
Common wind-related claims involving detached structures include:
- Fences blown over by strong winds
- Detached garages with roof or siding damage
- Sheds damaged by flying debris
- Structural damage caused by fallen trees during a storm
Insurance adjusters typically inspect the damage to confirm that wind caused the loss and that it occurred during a covered weather event.
Coverage Limits for Other Structures
While detached structures are often covered, they usually have lower coverage limits than the main home. Many policies provide coverage for other structures at about 10% of the home’s dwelling coverage limit.
For example, if your home is insured for $300,000, the policy may provide about $30,000 in coverage for detached structures like fences, garages, or sheds.
If the cost to repair or replace these structures exceeds that limit, homeowners may have to pay the remaining costs out of pocket.
Situations Where Coverage May Be Limited
Not all wind damage claims are automatically approved. Coverage may be limited or denied if the insurer believes the damage resulted from poor maintenance, wear and tear, or structural deterioration rather than a sudden wind event.
Additionally, high wind or windstorm deductibles may apply to these claims, especially in regions prone to severe storms.
Conclusion
Fences, garages, and sheds are usually covered after wind damage under the “other structures” portion of a homeowner's insurance policy. Homeowners should review their coverage limits and deductibles to understand how much protection their policy provides before severe weather strikes.
