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In either case, the homeowner or business owner, depending on the amount of damage, |
WHO DOES INSURANCE ESTIMATES ON DAMAGED FENCES?Fence damage is common in residential and commercial properties. Damage to residential fence is most often caused by fallen trees, wind, or bad storms. Residential property fence damage will require the homeowner to call their insurance company and discuss damage to the fence and decide if the insurance claim is valid depending on the amount of damage and the cost of repair. |
INSURANCE POLICIES ON FENCE REPAIRS:
Another variable will be the deductible on the insurance policy that the homeowner has with the insurance company. If the insurance company deems damage to the fence is an insurance claim, the insurance company usually will ask the homeowner to get three separate estimates on the scope of work from local or your preferred fence contractor and turn them into the insurance agent for processing. |
In some cases the insurance company will call three fence companies for the homeowner, and request estimates. The professional fence contractor will go to the property to price fence repairs, and send the quote directly to the insurance company to handle all aspects of the repair. In either case, it is up to the homeowner to decide if they prefer to involve the insurance company for the fence fix or if they wish to pay out of pocket. |
A phone call to the insurance agent or checking the insurance policy will give the homeowner the amount of the deductible to decide if an insurance claim is valid.
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FENCE DAMAGE BY VANDALS Commercial property fence damage due to vandals usually will not require a call to the insurance company for repair cost. These claims are usually so small that it would not meet their deductible. The only reason why an insurance company would be called due to vandalism to a fence would be because other property on the site has been stolen or damaged, and the fence repair can be added to the total insurance claim. |
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VEHICLE FENCE DAMAGEThe most common damage to commercial fence is vehicles running into fence and gates entering or leaving business properties. In most cases, the business can get information from the person who damaged the fence and their insurance company would pay the full amount for repairs and the owner would not be responsible for the cost. This only happens in cases where people are caught hitting the fence or gates with their vehicles. |
If no one witnesses the incident and no one claims responsibility for the damage, the business owner will have to call his or her insurance company to make a claim. Typically, the procedure to have insurance companies pay for damages would be the same as in residential fence damage claims.
