I have cover with direct line
2007-01-18 02:29:53 · 14 answers · asked by Melanie N 1 in Business & Finance ➔ Insurance
The answer is no.
I work in insurance, any storm damage caused to gates, fences and hedges is specifically excluded.
Its the same under all insurance policies. Its due to the 1987 hurricane.
2007-01-19 02:30:17 · answer #1 · answered by kimmytuk 1 · 0⤊ 0⤋
Due to the underwriting risk - i.e fences & gates do get blown down easily it is exclued. I work for an insurance compnay that underwrite many major policies it an exclusion on all. But that is only an exclusion on storm damage to fences. Say it was burnt down that would be coverd
2007-01-19 12:21:14 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Fences and gates are usually excluded under the storm damage peril. Some will allow the claim if there is also damage to the main insured property (building).
Check your policy for specific wording.
2007-01-19 03:50:49 · answer #3 · answered by Anonymous · 0⤊ 0⤋
If your fence is actually attached to your garage or house, it's definately covered... up to the limit of your house. If it's not attached to anything, the max coverage is usually a percentage (10%) of the amount of insurance you have on your house. But best to ask the insurance company.
2007-01-18 03:31:51 · answer #4 · answered by angel09 2 · 0⤊ 0⤋
Your property insurance might cover it, unless 'wind' is specifically excluded. You will have to look at your policy. Also, what is your deductible vs. the cost to repair the fence? Every claim you make is a 'black mark; against your insurance. If the repair cost is close to your deductible, just fix it.
2007-01-18 02:41:00 · answer #5 · answered by NHMike 3 · 0⤊ 0⤋
Storm damage to gates and fences is normally excluded by most household insurers. I think the exception is Chubb Insurance but they specialise in insuring high value homes and their minimum premiums are quite high.
2007-01-19 06:01:05 · answer #6 · answered by Macbeth 2 · 0⤊ 0⤋
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2016-12-16 07:31:33 · answer #7 · answered by ? 4 · 0⤊ 0⤋
you shold buy a Fire and Allied Perils Cover and this hould cover fire, flood and inundation, tsunamis, cyclones, rainstorm, impact (from flying debris and aircraft) etc.
you may have a specific households and contents coveer but requests endorsements and additional covers for all these perils to be sure and safe.
2007-01-18 03:23:26 · answer #8 · answered by onukpa 3 · 0⤊ 0⤋
I assume you are in the Uk - the answer is storm damage to fences is excluded- sorry - I'm very concerned about my shed !!!
2007-01-18 05:19:01 · answer #9 · answered by Anonymous · 0⤊ 0⤋
You'll have to read your particular policy to get your answer. If you are unable to find the extent of coverage in your policy, contact your insurance repesentative or company.
2007-01-18 02:40:43 · answer #10 · answered by Patricia S 6 · 0⤊ 0⤋