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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.
What else can I help you with?
Does homeowners pay for fence damage by wind?
Subject to your deductible, yes a standard HO3 policy should cover your wind damage.
Why did the homeowners dismantle the neighbor's fence that went through their garden?
The homeowners dismantled the neighbor's fence that went through their garden because it was causing a dispute or conflict between them.
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,
Does health insurance or homeowners cover a broken arm from a jump off of a fence?
Your Health insurance.
How high can a front fence be?
The maximum height for a front fence varies by local regulations and zoning laws, which can differ significantly by location. In many areas, front fences are typically limited to about 3 to 4 feet tall to maintain visibility and safety. Homeowners should check with their local municipality or homeowners' association for specific guidelines and restrictions regarding fence height.
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.
Who is responsible for damage to fence on highway after an accident?
The insured found at fault would have to pay for the fence. This coverage is included in the liability property damage portion of an auto policy.
How can I protect my fence from damage caused by a weed eater?
You can protect your fence from damage caused by a weed eater by installing a barrier like a metal or plastic edging along the bottom of the fence to prevent the weed eater from hitting it directly. Additionally, maintaining a safe distance while using the weed eater and being careful around the fence can help prevent damage.
If your fence has termite damage and needs to be replaced will insurance cover it?
No, they will not cover it. However, if a gust of wind knocks it down, then they will cover the fence. Insurance does not cover damage caused by insects.
How far has a shed got to be away from a fence?
Setback lines are a local matter. You need to call your town offices and make your inquiry there.
Can an electric fence touch wood without causing any damage or interference?
Yes, an electric fence can touch wood without causing damage or interference as long as the wood is dry and not conductive.
Can you repair an existing fence, or do I need a full replacement?
If the extensive damage compromises the fence's integrity, then replacement is the best option. Age of the Fence: Repair may be the best option if the fence is relatively new and the damage is minor. However, if the fence is old and beyond its expected lifespan, replacing the fence can be a better investment.
