Your Fence Blew Down... Now What? How Structures Coverage Works

“April showers bring May flowers,” but springtime storms can bring more than just blooms; fluctuating weather patterns as the seasons change can create winds so powerful they knock down your fence, shed or other detached structures.

As you navigate unpredictable spring weather, understanding how homeowners insurance covers your property, and taking practical steps to prepare, can save you time, money and stress after a storm. This guide outlines what you need to know about protecting fences, sheds and other detached structures, from pre-season prep to ensuring your policy is current.

Understand Your Coverage

Most homeowners policies include what's known as "Other Structures Coverage," which protects detached structures like fences, sheds, gazebos and detached garages. Wind and storm damage are typically covered under standard policies, though limits and exclusions can vary depending on your specific plan and location. To make sure you're fully protected, reach out to your trusted Rockingham Insurance agent to review what's covered for your property before storm season hits.

What to Do Before a Storm

Secure and Document Your Property:

• Inspect fences, sheds and other structures for weak points.
• Trim overhanging tree branches that could fall during high winds
• Take photos of your fences, sheds, and other structures to make claims easier if wind damage occurs.

What to Do After Wind Damage

Safety First:

• Avoid damaged structures that could collapse.
• Keep children and pets away from unstable areas.

Document Damage:

• Take clear photos and notes of all damage.
• Keep receipts for any temporary repairs or materials needed to secure your property.

File a Claim:

• Contact your Rockingham Insurance agent promptly with the documentation you’ve taken to get the claims process moving.
• After an incident, your agent can also help you assess whether your current coverage is adequate and adjust your limits if needed.

Think Ahead

Spring storms don't wait, and neither should your prep. A little maintenance now, like clearing branches, checking structures and snapping a few photos, goes a long way toward protecting your property and simplifying the claims process if something does happen. It's also a good idea to revisit your policy annually to make sure your coverage keeps up with any additions or changes to your property. A quick conversation today can save a lot of headaches later.

Still have questions? Contact your trusted Rockingham Insurance agent today to review your coverage and make sure your home is ready, whichever way the wind blows.

‍