Wind Damage - If my fence got blown over, is it covered?
YES! The typical Homeowners policy covers a fence as an “Other Structure” under Coverage B of the policy. Special form (the most common type) and the Broad form (16 named perils) Homeowners policies include coverage for windstorm.
The limit of insurance on "Other Structures" is usually 10% of the Coverage A - Dwelling limit. This limit is shared by all "Other Structures" at the time of a loss. Loss settlement for a wooden fence may be limited to Actual Cash Value while other type of fences (vinyl or metal) can be settled at Replacement Cost, if endorsed on the policy. Loss is subject to your property deductible.
The content of FAQ articles are general in nature and are not intended as a substitute for professional legal, financial, or insurance counsel for individuals. Insurance coverage forms vary by issuing company and by state. For specific advice contact us.
American Insurance NW Inc. is an independent insurance agency with offices in Lewiston and Moscow, Idaho.