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Will your homeowners insurance rate go up if you file a claim to replace your fence?
Wiki User
∙ 8y ago
Most homeowners insurance does not increase rates due to claims. However, claims do determine whether or not a company continues to renew your policy. Especially now, if you are cancelled it is much harder to get home insurance.
Wiki User
∙ 8y ago
Wiki User
∙ 8y agoIt depends on teh type of claim you will be filing. Weather related losses will not cause your insurace rates to go up. If it's something other than weather related then yes it could affect your rate.
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Does health insurance or homeowners cover a broken arm from a jump off of a fence?
Your Health insurance.
If a tree in my backyard falls and does damage to neighbors privacy fence is my HO insurance liable for all costs or is his?
No, His insurance will cover his fence. Your home insurance is specific to your property and no one is liable for an act of nature,
When a neighbor fence is blown down and both neighbors turn it in to insurance do both get paid by their insurance company and how should the bill be split?
No, That's illegal and a felony criminal act. If it is your neighbors fence and you filed a claim, you would be committing insurance fraud.
Can a Homeowners Assn have an insurable interest in a fence on property fence not on the common ground of the HOA?
Yes, a Homeowners Association (HOA) can have an insurable interest in a fence on a property that is not on the common ground of the HOA. The HOA is responsible for maintaining and enforcing certain rules and regulations for the entire neighborhood or community, which may include the maintenance and insurance of fences on individual properties. It is important to review the specific bylaws and governing documents of the HOA to determine their insurance responsibilities.
Who is responsible if a neighbors trampoline blows over the fence and damages a car?
The neighbour. Perhaps. This could be similar to a tree coming down. Such situations are considered an act of God, and the owner of the damaged property would need to file a claim with their homeowners insurance carrier, perhaps the auto policy carrier. Check with your insurance carrier(s) to be certain.
Will insurance pay for a fence falling apart due to age after a neighbor's dog breaks through it?
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?
Does homeowners pay for fence damage by vandals with pellet guns?
Homeowners policies do cover vandalism and malicous mischief but unless the damage is extensive it may not meet your deductible. Another thing to remember these days is that insurance companies have been loosing money in homeowners insurance for several years. I always remind my clients that homeowners insurance is made for big losses not small ones. A homeowners policy is the most coverage for the lowest premium in the insurance business. With companies loosing money they are going to be more careful about who they write and if you are ever cancelled for too many claims you will find it hard to get new coverage at a reasonable cost.
Does homeowners insurance cover the cost to repair a wrought iron fence a saguaro cactus fell on?
yes, so long as you have the industry standard "HO3" or "HO5" policy that includes "other structures" coverage. The fence would be covered under other structures, subject to deductible.
What part of your insurance covers someone running into a fence?
The person's collision insurance should cover the damage to their car, and their liability insurance should cover the damage to the fence and property. If they have no collision insurance, they will have to fix their car on their own.
What can you do to have neighbor replace his fence on his property fence is rotten?
If its simply an eyesore and not a health or safety issue, there is little you can do about it but ask him to fix or replace it.
Will your homeowners insurance cover damages caused by a hit and run driver who smashes into your brick wall fence?
Yes, Your homeowners Insurance policy, (unless you have Fire Only) should respond to damages to your home from an automobile.Answeri am an insurance agent and if you have a hit and run such as that description and you do have a homeowners policy. it will be covered under the policy, you will have to pay your deductible and it will go onto your records as a loss but they will pay the damages that are above your deductible, now they will have to prove that it wasnt one your cars doing the damages so you can get a new brick wall and that it wasnt because your wall was old and just fell. and trust me they have their way of proving that.
Does homeowners cover fences?
Fences are covered by policies that have Other Structure coverage (most do) but they are covered on an Actual Cash Value basis, not Replacement Cost. Basically, you'll get a depreciated amount for your damaged fence.
