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Get the insurance company of the dog owner to pay. Homeowners insurance is not meant to be a maintenance contract. You as a homeowner are expected to maintain your property and replace things as they wear out. If your fence was properly maintained would the dog have been able to break through it?

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18y ago
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15y ago

Yes and no. It all comes down to the individual insurance company. Some may include damage caused by weather on home and contents, while others may exclude such cover.

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Q: Will insurance pay for a fence falling apart due to age after a neighbor's dog breaks through it?
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