Fence Insurance FAQ: Navigating Coverage and Claims

Essential Insights by RJ Fencing Brisbane

In light of the recent storms across Australia’s east coast, it’s vital to understand the intricacies of fences Brisbane insurance. This FAQ covers common questions related to traditional insurance and rental property scenarios. Should you have more queries, RJ Fencing Brisbane is here to help at 0485 865 040.

Is My Fence Covered By Home Insurance?

Understanding Policy Coverage

Generally, fences are included under home insurance policies, but it’s crucial to confirm specifics with your insurer. Coverage limitations depend on factors like the cause of damage, fence location, and the extent of the damage. Be aware that the amount covered may vary based on your insurance policy’s terms.

When Isn’t My Fence Covered By Home Insurance?

Identifying Non-Covered Scenarios

There are scenarios where fence damage may not be covered by insurance. Neglect or wear and tear, for instance, often void claims. Damage caused by your own vehicle or machinery, or a neglected falling tree, are examples where claims are likely to be rejected.

My Fence Is Shared So What Happens With Claims?

Navigating Shared Fence Insurance

For dividing fences, claim responsibility usually depends on the fence’s location and the cause of damage. If the fence is on your property, you’re typically responsible for the claim. In case of a fence on the property line, both parties can potentially share the claim. However, the norm is for the person responsible for the damage to file the claim.

What If I Am Renting A Property?

Rental Property Fence Damage Claims

As a tenant, your landlord handles insurance claims for fence damage. You should inform them about any concerns that might lead to further damage. Remember, if your actions cause damage leading to a voided insurance claim, you might be liable for the repairs.

My Fence Isn’t Covered, What Can I Do?

Seeking Solutions for Uncovered Fences

If your fence isn’t covered, the first step is to discuss potential policy modifications with your insurer, ensuring coverage for storms and natural disasters. If you struggle to get coverage due to the fence’s condition or location, RJ Fencing Brisbane can assist with necessary steps to make your fence insurance-eligible.

Conclusion

Understanding fence insurance is crucial, especially in regions prone to natural disasters. For personalised advice and solutions, RJ Fencing Brisbane is just a call away at 0485 865 040.