Handling fence damage through insurance and an appeal to your HOA for repairs

Posted by Michelle Goodwin on Fri, Apr 17, 2015

fence repairs, fence insurance, damaged fences, fence repair, fence repair richmond, fence repair norfolk, fence repair va beach, fence repair raleigh, residential fence repairs, commercial fence repairs

While damage to commercial fence is usually caused by vehicles hitting the fence and gates,
or by vandals cutting fence to gain access to business properties to steal from company vehicles or steal stored company materials.

No matter how you slice it, the homeowner or business owner, depending on the amount of damage, can engage insurance companies to check on policy coverage and deductibles.

HOW DO INSURANCE ESTIMATES ON DAMAGED FENCES WORK?

Fence damage is common in residential and commercial properties. Damage to residential fence is most often caused by fallen trees, wind, or bad storms. 

Residential property fence damage will require the homeowner to call their insurance company and discuss damage to the fence and decide if the insurance claim is valid depending on the amount of damage and the cost of repair. 

fence repairs, fence insurance, damaged fences, fence repair, fence repair richmond, fence repair norfolk, fence repair va beach, fence repair raleigh, residential fence repairs, commercial fence repairs

 

INSURANCE FOR ON FENCE REPAIRS:

Another variable will be the deductible on the insurance policy that the homeowner has with the insurance company. If the insurance company deems damage to the fence is an insurance claim, the insurance company usually will ask the homeowner to get three separate estimates on the scope of work from local or your preferred fence contractor and turn them into the insurance agent for processing. 

broken chain link

In some cases the insurance company will call three fence companies for the homeowner, and request estimates.

The professional fence contractor will go to the property to price fence repairs, and send the quote directly to the insurance company to handle all aspects of the repair.

In either case, it is up to the homeowner to decide if they prefer to involve the insurance company for the fence fix or if they wish to pay out of pocket.

 
If the damage to the fence is minimal, the homeowner should probably not involve the insurance company. This is becuse the deductible may not be met depending on the amount of fence damage.
A phone call to the insurance agent or checking the insurance policy will give the homeowner the amount of the deductible to decide if an insurance claim is valid.

DAMAGE BY VANDALS

Commercial property fence damage due to vandals usually will not require a call to the insurance company for repair cost.  These claims are usually so small that it would not meet their deductible. 

The only reason why an insurance company would be called due to vandalism to a fence would be because other property on the site has been stolen or damaged, and the fence repair can be added to the total insurance claim. 

fence repairs, fence insurance, damaged fences, fence repair, fence repair richmond, fence repair norfolk, fence repair va beach, fence repair raleigh, residential fence repairs, commercial fence repairs

fence repairs, fence insurance, damaged fences, fence repair, fence repair richmond, fence repair norfolk, fence repair, automated gate repair, fence repair raleigh, residential fence repairs, commercial fence repairs

VEHICLE FENCE DAMAGE

The most common damage to commercial fence is vehicles running into fence and gates entering or leaving business properties.  In most cases, the business can get information from the person who damaged the fence and their insurance company would pay the full amount for repairs and the owner would not be responsible for the cost. This only happens in cases where people are caught hitting the fence or gates with their vehicles. 
 

The business would be required to call their insurance company and report damage and ask for an agent to visit the property to record damage. After the insurance agent has recorded the fence damage, the fence company would be called to price fence repairs and turn in quotes to the insurance company for review. The insurance company and the fence contractor usually handle the repair and cost.

If no one witnesses the incident and no one claims responsibility for the damage, the business owner will have to call his or her insurance company to make a claim. Typically, the procedure to have insurance companies pay for damages would be the same as in residential fence damage claims.
 

 

 

Topics: Fence Design, Perimeter Security, Homeowners Association, Ornamental Aluminum, Property Value, Fence Permit, Insurance, Fence, Richmond Fence, fence law, fence regulations, Maintenance, residential fence damage, wood fence, fence insurance, fence repair, commercial fence damage, vehicle fence damage, fence repair damage

How to get HOA approval for the fence you want.

Posted by Michelle Goodwin on Thu, Feb 12, 2015

trex fencing, hurricane fence, richmond fences, hoa regulations, hoa fence approval, fences hoa fences, fences richmond, fences norfolk, hoa fences

The rise of Homeowner Associations in recent years has seen exponential growth. Before you rush out to install the fence of your dreams, here are some tips of the trade from a Residential fence expert on the possible pitfalls of building that beautiful new fence installation.

One of the biggest mistakes homeowners can make when installing a fence is not checking to see what the by-laws of their Homeowners Association (HOA) require.

You can't assume that what your neighbors have previously done with their fence and yard complies with your particular HOA regulations.

Even though a neighbor might have an admirable fence enclosure or gate doesn't mean doesn't mean that your HOA approved that particular fence installation.

We can recall a particular job where a customer scheduled an install for a chain link fence, and as it was in progress, the customer panicked as the HOA just informed her that absolutely no chain link was allowed in their community. Several adjacent yards that had previously used chain link enclosures prior to her request were ordered to remove them and seek other fence options. It turns out that residents were only approved to have vinyl and ornamental aluminum installed in that neighborhood. 

In another instance, a customer submitted her information to the HOA weeks in advance. Due to the fact that she had not heard from the HOA, she assumed that the fence was approved. So, she went forward with the installation. The HOA later stated that they never received her request. The customer then was ordered to redo her fence structure according to her neighborhood's HOA standards, and have the style she selected approved by them.

Typically, a HOA can take anywhere from one week to six weeks to approve your fence project. Generally speaking, you have to to get the HOA's approval whenever you do anything to the exterior of your residence. This can even include painting and landscaping.

HOW TO AVOID COSTLY HOA FENCE INSTALL MISTAKES

Many HOA ordinances and rules prevent you from constructing chain link, split rail, or wire containment fences because they are not aesthetically appealing. If you install a fence without HOA approval, you can almost be sure you will have to tear it down or face serious fines, as well as aggravation and time consumption.

 

THE FOLLOWING ARE SUGGESTIONS TO ENSURE HOA APPROVAL ON YOUR FENCE PROJECT


1.
     Read the regulations provided by the HOA thoroughly. Make sure that you have the most updated version. Call the HOA president or another board member with all questions you have regarding the specific regulations. Document the date and time of call, the name of the person with whom you spoke with, as well as what was said during the conversation.

2.     Make notes on what you want to communicate in your letter to the HOA. In your correspondence try to anticipate any questions the HOA board may have about your project. Always include possible solutions to any problem you think the board may have with your planned project.

3.     Enclose blueprints, pictures and project drawings. Also, be sure to include the specific dimensions of your project and any other pertinent details in your letter. Include images or colors of the materials you will be using. Be clear and precise so your letter will be easily understood.

4.     Make copies of your letter to keep for your records. Mail your request to the homeowners association. Be sure you have included the best ways for members to contact you, such as giving them both a home and work telephone number.

5.     Follow up on your letter if you are not contacted within a week after mailing. Confirm your letter has been received and ask for a date by which the board will render a decision on the plans for your property.

6.     Appeal for a variance if your request is denied and you still want to pursue your plans. An appeal hearing may then be scheduled during which you can present your case to the entire board. You can enlist the support of your neighbors to help bolster your argument.

Be sure to get the approval of the HOA first. It is not up to the fence contractor to find out the rules and regulations or to get approval of the HOA for your project. That being said, a longstanding and professional fence company will gladly help advise you in this process and should go out of their way to help you with your installation concerns.  

They can also supply you with fence samples and pictures of existing installations to help you get the approval of the HOA before starting construction so you won't be on the fence with your Home Owners Association.

CLICK HERE TO VISIT THE AMERICAN HOME OWNERS ASSOCIATION FOR RESOURCES ON REGIONAL AND LOCAL REGULATIONS FOR YOUR UPCOMING FENCE PROJECT

CLICK FOR AN AWESOME INFOGRAPHIC ABOUT THE RISE OF THE HOA IN THE UA!S

 

Topics: Specifications, Residential Fence Choices, Homeowners Association, HOA, Residential Fence, backyard Fence, Fence Permit, Regulations, Insurance, Richmond Fence, fence law, fence regulations, virginia fence code, Maintenance, fences richmond, first time home buyers, codes, hoa fence, fence insurance

Repairing your Residential or Commercial fence enclosure

Posted by Michelle Goodwin on Tue, Sep 02, 2014

fence repairs, fence insurance, damaged fences, fence repair, fence repair richmond, fence repair norfolk, fence repair va beach, fence repair raleigh, residential fence repairs, commercial fence repairs

While damage to commercial fence is usually caused by vehicles hitting the fence and gates,
or by vandals cutting fence to gain access to business properties to steal from company vehicles or steal stored company materials.

In either case, the homeowner or business owner, depending on the amount of damage,
can engage insurance companies to check on policy coverage and deductibles.

WHO DOES INSURANCE ESTIMATES ON DAMAGED FENCES?

Fence damage is common in residential and commercial properties. Damage to residential fence is most often caused by fallen trees, wind, or bad storms. 

Residential property fence damage will require the homeowner to call their insurance company and discuss damage to the fence and decide if the insurance claim is valid depending on the amount of damage and the cost of repair. 

fence repairs, fence insurance, damaged fences, fence repair, fence repair richmond, fence repair norfolk, fence repair va beach, fence repair raleigh, residential fence repairs, commercial fence repairs

 

INSURANCE POLICIES ON FENCE REPAIRS:

Another variable will be the deductible on the insurance policy that the homeowner has with the insurance company. If the insurance company deems damage to the fence is an insurance claim, the insurance company usually will ask the homeowner to get three separate estimates on the scope of work from local or your preferred fence contractor and turn them into the insurance agent for processing. 
broken chain link

In some cases the insurance company will call three fence companies for the homeowner, and request estimates.

The professional fence contractor will go to the property to price fence repairs, and send the quote directly to the insurance company to handle all aspects of the repair.

In either case, it is up to the homeowner to decide if they prefer to involve the insurance company for the fence fix or if they wish to pay out of pocket.

 
If the damage to the fence is minimal, the homeowner should probably not involve the insurance company. This is becuse the deductible may not be met depending on the amount of fence damage.
A phone call to the insurance agent or checking the insurance policy will give the homeowner the amount of the deductible to decide if an insurance claim is valid. 

FENCE DAMAGE BY VANDALS

Commercial property fence damage due to vandals usually will not require a call to the insurance company for repair cost.  These claims are usually so small that it would not meet their deductible. 

The only reason why an insurance company would be called due to vandalism to a fence would be because other property on the site has been stolen or damaged, and the fence repair can be added to the total insurance claim. 

fence repairs, fence insurance, damaged fences, fence repair, fence repair richmond, fence repair norfolk, fence repair va beach, fence repair raleigh, residential fence repairs, commercial fence repairs

fence repairs, fence insurance, damaged fences, fence repair, fence repair richmond, fence repair norfolk, fence repair, automated gate repair, fence repair raleigh, residential fence repairs, commercial fence repairs

VEHICLE FENCE DAMAGE

The most common damage to commercial fence is vehicles running into fence and gates entering or leaving business properties.  In most cases, the business can get information from the person who damaged the fence and their insurance company would pay the full amount for repairs and the owner would not be responsible for the cost. This only happens in cases where people are caught hitting the fence or gates with their vehicles. 
 

The business would be required to call their insurance company and report damage and ask for an agent to visit the property to record damage. After the insurance agent has recorded the fence damage, the fence company would be called to price fence repairs and turn in quotes to the insurance company for review. The insurance company and the fence contractor usually handle the repair and cost.

If no one witnesses the incident and no one claims responsibility for the damage, the business owner will have to call his or her insurance company to make a claim. Typically, the procedure to have insurance companies pay for damages would be the same as in residential fence damage claims.
 

 

 

Topics: Fence Design, Perimeter Security, Homeowners Association, Ornamental Aluminum, Property Value, Fence Permit, Insurance, Fence, Richmond Fence, fence law, fence regulations, Maintenance, residential fence damage, wood fence, fence insurance, fence repair, commercial fence damage, vehicle fence damage, fence repair damage

Options for Commercial Access Gates and Fence Solutions

Posted by Michelle Goodwin on Thu, Jul 03, 2014

A Professional Fence Company should have a variety options for Commercial Gate applications. The gate systems are designed to restrict unwanted entry and ensure the protection of assets and employees. Gate systems are designed to work efficiently with repeated mechanical use in any setting. Hurricane Fence Company offers the latest in Commercial Gate System trends and technology in a plethora of scales and styles. These maneuverable fence barriers can be engineered to meet the needs of everything from small Residential Secured Access to the most complex structural demands.

The following are a few examples of routinely offered Commercial Gate Systems.  

Swing Arm Gates

swing arm gate

Swing Arms are motorized barriers that raise a steel or aluminum arm from a horizontal position to a vertical position. They give you the ability to control pedestrian and/or vehicle traffic on roadways up to 38'. These gates can have an assortment of automatic controls, such as card readers, vehicle detectors/counters, reversing logic, which causes the arm to re-open should it strike an object, and anti tailgating devices, which keep multiple vehicles from pulling through on a single cycle. A switch in a security office can also be set up to control these gates.

Many Fence Contractors also offer High Speed Swing Arm Gates that will open in less than two seconds, using either 8 or 12' arms. Heavy duty gates, with arms up to 24', are also available if gate specifications require them.

Slide Gates   

sliding gate 

Sliding Gates are often the best solution for commercial premises with busy access points. You must have room set aside for the gate in the open position. Installers can customize slide gates to accommodate a wide range of commercial applications. Many different styles of slide gates are available of which the most common is a two-rail slide gate.

There are three rail slide gates that will allow the use of almost any material you wish to face the gate. For this the commonly used materials are plastic, wood, or metal. A well set up fence supplier can also custom fabricate a slide gate to match a wide range of already existing gate styles. 

Cantilever Gates

cantaliever gate cantaliever gate

Automation of a cantilever slide gate involves the addition of a slide gate operator that can be pad or post mounted. This provides a means to open or close the gate and the addition of safety devices such as safety loops, gate edges or photo eyes. Gate operators can be added to existing gates as well as new ones and integrated into any existing access control system.

The gate itself does not touch the ground and is supported by rollers, which are attached to two large side posts.

The gate will have a tail that is used to support itself when it is in the open position. One thing to keep in mind when considering the installation of a cantilever gate is that you must have adequate overhead clearance to ensure that the gate can open fully.

Cantilever Gate Systems can be constructed with nearly any fencing material, but the distance of the opening will play an important role in determining which type of materials you can use when constructing your Commercial Gate. Lighter fabrication materials should be considered when spanning wide opening, which will make the overall weight of the gate lighter.   

See Commercial Gate Fabrication in action on Hurricane Fence Company's Youtube channel.Commercial Gates, Commercial Gates Richmond, Gate Fabrication Richmond, gates richmond, gates norfolk, gates williamsburg, gates va beach, gate making richmond

Topics: Military Fence Installations, Military Fence, Government Fence, Fence Design, Perimeter Security, Gates, Specifications, High Security Fence, Ornamental Aluminum, Commercial Fence, Steel Slide Gates, Historical Fence, Fence Permit, Regulations, Maximum Security Fence, Fence Maintenance, Richmond Fence, fence regulations, Maintenance, Aluminum Fence, Comparison, codes, Military Fence Virginia

How to choose the fence option that suits your personal needs

Posted by Michelle Goodwin on Fri, Jun 20, 2014
Perhaps the best reason for putting up a fence isn't practical, it's emotional. A fence encloses your territory. Fences and walls really help make home feel special, separate and your own, like a haven and a sanctuary.

fences, fences richmond, fence bible, fences norfolk, professional fence contractor, fencing bible, fencing books

AN OVERVIEW:

A fence is more than just a barrier. Used in imaginative ways, it can become an architectural feature that blends well with the style of your house, a landscape element that enhances the appearance of your property, or an accent piece that helps define a part of your yard or garden.In The Fence Bible hands-on home improvement expert Jeff Beneke provides an in-depth, comprehensive how-to encyclopedia that enables homeowners to choose and build the fences and gates that are best for their landscape—both for appearance and function.Beneke suggests the appropriate types of fence to keep the swimming pool secure, confine the livestock, keep deer away from the garden, or create outdoor living spaces. He then discusses the essentials of proper fence design and provides step-by-step illustrated instructions for planning, building, maintaining, and repairing any style of fence.

Here's what goes into planning, designing and buying a fence and the materials to build one.

Privacy, security, curb appeal, noise reduction: The benefits of residential fences are numerous.There also are plenty of practical reasons for a fence. "The place I always suggest starting with (is) function," says Jeff Beneke, author of "The Fence Bible." 
Here's a look at what fences can do and how you can build or select the right one for your budget. 
 AVAILABLE on AmazonEbayBarnes & Noble, and Google Books


The first step is determining what you want your fence to do. Fences serve many purposes, including:
  • Security Fence: Even a fence only 3 feet tall can help deter prowlers, says Chris McGoey, a security expert in Los Angeles. "It is psychological," he says. "A fence denotes a property.
    It says, 'This is my house, my property.' People are going to be reluctant to step over that fence. Even a small boundary fence will discourage people from cutting across your yard.

  • Privacy Fencing: Living your life shielded from the prying eyes of others is a luxury of private property. A high privacy fence, tastefully built, can give you room to let down your hair, no matter how small your deck or yard.

  • Decoration: A well-designed, professionally installed fence will frame your home and add tremendous curb appeal. It may also enhance your property value, depending on your neighborhood and the fence's design and quality.

  • Boundary: It's a good idea to define your boundaries, especially if you own a small lot. A fence prevents neighbors from encroaching on your property.

  • Safety: A fence offers peace of mind. They keep small children and pets safe from strangers, traffic and hazards such as swimming pools, high bluffs and ravines.

    fences, fences richmond, hurricane fence, richmond fencing contractors, norfolk fences, residential fences, ornamental fences richmond, aluminum fences richmond

    Garden protection: Just as a fence holds in your pets, it keeps stray animals and other pests from digging and defecating in your yard. Properly constructed, fencing around a vegetable or ornamental garden also can protect precious plants from foraging deer and rabbits.

     

  • Weather protection: Snow fences keep drifts from growing too large. A protective fence lets you enjoy a garden or deck in a windy area; Beneke says he likes a louvered fence for taming a windy patio.

  • Noise: A privacy fence can buffer some noise. Wood blocks noise better than most fence materials. Planting a hedge or other tall vegetation in front of the fence helps buffer noise even further. For serious noise protection, professional fence specialists offer noise-buffering blankets that can be pulled tightly over any fence. Costs for these products start at about $12 per linear foot for a 6-foot-tall fence.

    The most effective fence for dulling sound is a tall, custom-built fence of foam-filled aluminum or composite, says Chris Policastro, vice president of operations at Production Fenceworks in Atlanta. This kind of fence costs $60 to $300 per linear foot for a 6-foot fence. 

  • Cosmetics: Trash cans? Propane gas tanks? The neighbor's trampoline? A large or small fence may hide it. It's like putting makeup on a pimple, Beneke says. Planting a vine or shrub in front of it makes it even prettier.

Cost and Planning

Once you have a list of your fencing needs, take your specs to a professional fence contracting company and talk it over with experts. Even if you build your fence yourself, it helps to bounce ideas around and ensure you have the right expectations for your fence materials, design law and specifications in your individual rural, suburban or urban location.

Here's a scenario: Farmers who've built 6' high enclosures soon learn that deer can jump 8 feet. To remedy that issue take into account that an overhanging extension or one of the deer-fence ideas from Leonard Perry, extension professor at the University of Vermont, may be a viable solution.

In another scenario, Homeowners have installed chain-link and vinyl fences only to finding out that their homeowners association (HOA) bans them. So make sure you arm yourself with knowledge going into your fence project.

Fence costs can sometimes be steep. A lot of material and labor is involved. But costs always vary depending on your preffered materials and style. You can cut fence costs by and by choosing local species of wood. Get a couple estimates, look at thheir websites and credential when selecting a contractor.

Beneke, a proponent of doing it yourself, nevertheless says he warns against getting into a job that's too big for your skills or your time. Building a fence is a big job, and you deserve to have a fence that fits you and your needs.

(TO BE CONTINUED NEXT WEEK'S FENCE POST: PART 2: A FENCE THAT FITS: BUILDING THE RIGHT FENCE FOR YOU AND YOUR BUDGET.


Sources: MSN.com, The Fence BibleMore on residential fences

Topics: Specifications, Specialty Fence, Residential Fence Choices, Homeowners Association, Vinyl Fence, Property Value, backyard Fence, Fence Permit, Pool Fence, Richmond Fence, fence regulations, chain link fence, fences richmond, Aluminum Fence, Pool Gates, Comparison, pickett fence, wood privacy fence, pressure treated fence

Get Free Widget

Recent Posts