Can I claim for my fence on my insurance?
First, many are unaware of the fact that their insurance policy may cover a damaged or fallen fence. Indeed, virtually all commercial premises should be covered by a good commercial policy. While fixing a single panel may not necessarily break the bank, this should be the first port of call to save money where you otherwise may be left forking out sums unnecessarily.
On the other hand, most home-insurance companies' position on storm damage, is that damage to gates and fences is typically not covered.
In any case, if you’re worried about your specific situation, then the best place to look is in your insurance documentation/policy or the Insurance Product Information Document (IPID). If you're still unsure, contact your insurance provider and ask them directly.
To make a claim effectively, you should take pictures of any damage, making sure anything left lying around is tidied or fixed up in the process to prevent debris flying around in the event of further strong winds. Indeed, this is particularly relevant given the rapid follow up of storm Franklin just a day or so after Eunice passed.
Additionally, if your fence is new then it may be under warranty.
At DuraPost, we build our fences to last – even in the face of extreme elements such as high winds. Our fence posts are guaranteed for up to 25 years. It is therefore worth checking with your vendor to see whether they may be able to support you in offering a replacement.