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Fence Damage
Hurricane or storm knocked down your fence? We recover fence repair and replacement costs on your Florida claim.
Fence Damage Claims in Florida
Fences are among the first things to fall in a Florida windstorm. Sustained winds and flying debris snap posts, flatten panels, and topple entire runs of fencing, and the cost to replace a long fence line can be substantial. Because a fence is a structure on your property, storm damage to it is generally covered, yet fence claims are routinely overlooked or undervalued by adjusters focused on the house.
Fences typically fall under Coverage B for other structures, which is usually set as a percentage of your dwelling coverage and has its own limit. Knowing how that coverage applies, and making sure the fence is included in the claim, can recover money you might otherwise leave on the table. Disputes over the type of fence, the linear footage, and material costs are common, and the Florida Department of Financial Services assists consumers with underpaid claims.
Photographs of the downed fence and replacement estimates are the proof that gets these claims paid.
This is part of our Property Damage Claims practice. Related matters include pool and enclosure damage and hurricane claims. Review our case results, learn about Attorney Edward G. Jimenez, or request a free consultation by calling (321) 465-3425.
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Coverage B for Other Structures
Fences are generally insured under Coverage B, which covers structures not attached to the house and is typically capped at a percentage of your dwelling limit. Understanding that limit, and how much of it your fence loss consumes, is important, especially after a storm that also damaged other detached structures. We confirm the available coverage and make sure your fence is claimed under the right part of the policy.
Why Fence Claims Are Underpaid
Adjusters often undercount the damaged footage, assume a cheaper fence material than you actually had, or omit the fence entirely while focusing on the home. These shortcuts add up to a significant underpayment. We document the exact length, height, and material of the damaged fence and obtain accurate replacement estimates so the claim reflects the real cost to rebuild it.
Prove It Before You Rebuild
Photograph the downed fence from multiple angles before removing or replacing it, measure the affected footage, and get itemized replacement estimates. Keep any receipts for temporary measures if the fence enclosed a pool or pets. We use this documentation to pursue full payment for restoring your fence. Call Jimenez Legal at (321) 465-3425 or request a free consultation.
Frequently Asked Questions
Fences are often covered as other structures when damaged by a covered peril like wind, subject to your policy.
Fences typically fall under Coverage B for other structures rather than the main dwelling coverage.
Adjusters sometimes overlook fences or undervalue the replacement cost.
Photos of the damage and replacement estimates support a fair fence claim.
Photograph the damage first, then consult an attorney before finalizing repairs or a settlement.
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