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

SECURITY FENCE SOLUTIONS: CREATING A SAFER MIDDLE RIVER, MD AMTRAK

Posted by Michelle Goodwin on Thu, Oct 24, 2013

As Hurricane Fence Company wraps up the AMTRAK Middle River MD project, we're reflecting on what an important project this was for contractors, authorities & commuters alike. 

Above: Effectual video footage of the Amtrak High speed rail at Middle River, MD

A specific case highlighting numerous deaths in Middle River Maryland, which is northeast of Baltimore City, showed the urgent need for safety fencing near heavily populated areas with exposed rails. All of the Middle River Amtrak deaths were  tragic and included the death of Anna Marie Stickel. Anna was a 14 year old girl who was killed on the hi-speed tracks in January of 2010. This particular death and numerous related incidents initiated a dramatic public response that promted Amtrak to take swift action in the wake of a serious problem.

Not only was this project important to a distressed Middle River MD community, but also to Hurricane Fence Company as the exclusive fence contractor for the project.

An article published by The Amtrak Police Department titled; Amtrak installing new heavy steel fence along High-speed tracks in Middle River, Maryland informs the public that Amtrak is installing a heavy steel, 8-foot high, high security fence along a portion of its high-speed tracks in Middle River, Maryland to deter access to the railroad.

The Middle River community is located about 11 miles north of Baltimore and is within the busy Northeast Corridor home to frequent and daily Amtrak train service. The section of track where the fencing was installed includes Acela Express and Northeast Regional service that operates at speeds up to 125 mph carrying commuting passengers, and the occasional freight train. Amtrak went above and beyond it's government requirements and spent $3.1 million, rip out the chain-link fence entirely and replacing it with a barrier it believes will deter even the most determined would-be trespasser. The new 8-foot-high fence runs from Martin Boulevard to Stemmers Run Road, a section that includes the spot where Anna died. Amtrak spokeswoman Danelle Hunter said the railroad was investing in an Impasse Anti-Scale Fence System, so named because it is designed to be difficult to get over. Hunter said it will be sunk into the ground so intruders can't get under it and will be made of sturdier material than chain link so an intruder can't get through it with bolt cutters.

 “The new fence will make it harder for a person to access the tracks, but to achieve maximum safety individuals must make the right decision to stay off the tracks and not use it as a shortcut,” says Amtrak Chief of Police John O’Connor.

In late April, Hurricane Fence Company began the installation of new Ameristar brand fencing on both sides of the tracks from Martin Boulevard southwest to where it meets up with an existing fence. (See Fence Contractors) A portion of the existing fence was also upgraded and replaced.  In all, more than 6,400-feet of fencing was installed and additional “No Trespassing” signs were posted.   

Todd Jones, Hurricane Fence Company Vice President had this to say,

I have come to understand that intruders on the track are a great concern to the train operators. Having the potential stress of hitting pedestrians or vehicles causes the conductors undue work related fatigue.

The $3.1 million fencing project ran from April-October 2013 (about 6 months from start to completion) There is now two miles continuous fencing from Martin Boulevard to Stemmers Run Road. Train passengers may use the pedestrian underpass at Martin Boulevard, which has also been upgraded for this construction.

“Our most important goal is safety, “I am pleased Amtrak is taking these significant steps, building taller and stronger fencing. I thank everyone who had a role in this project, working together to make Middle River a safer community for everyone." Congressman Dutch Ruppersberger remarked.


 

Topics: Government Fence, Fence Design, Perimeter Security, Specifications, Fence Permit, Insurance, Amtrak Fence

Information On Pool Fence Codes and Insurance Rate

Posted by Dawn Lowndes on Mon, Jun 27, 2011

 

pool fenceGreat Fun in Your Pool!

Richmond, what a great place to live! We are close to the beach, mountains, rivers and lakes.  Pretty much if you can dream it up then you can find a place to go do it.  The four seasons is another bonus, unless you don’t like the hot and humid summers!!  There is one thing you can do to help beat the summer heat, and if you have ever taken a plane ride then you are bound to have seen hundreds, even thousands of them: Swimming Pools!!  If this seems like something you would consider investing in then there are a couple things you need to keep in mind before breaking ground, pool fence codes and insurance rates.  I can’t begin to tell you how many people don’t even allow for this cost in the price.  Now of course local building codes will vary, but you can reference the Building Officials and Code Administrators Guidelines, B.O.C.A. for short.  These guidelines state the following:

  1. Fences must be at least 48" tall
  2. The minimum space between the lower most top rail and the bottom rail must be at least 45"
  3. Specific fence types  may have to be taller than 48"
  4. Spacing between pickets must be less than 4"
  5. Space between the bottom rail and the ground must be less than 4"
  6. Gates must be self-closing
  7. Gates must be self-latching
  8. Gates need to open out (away from the pool)
  9. Opening mechanism of the latch must be at least 54" above ground.

Now these are good rules to go by, but again, you must check your local building codes. Keep in mind that any reputable fence company will know these codes.

pool InsuranceThe other thing you must allow for is insurance.  Homeowners who are concerned about protecting their large investments must have pool insurance. Because of the risk factor it is important to protect your pool and yourself from damage, injury or accidents that you can be liable for. There are two types of insurance that homeowners need to look into. First, ensure that your homeowners' insurance covers your pool and second, ensure that you have liability insurance. Homeowners often find that their house insurance policy covers their newly installed swimming pool. Some insurance companies may make you pay extra for the pool coverage although others do not. Be sure to contact your agent to discuss your insurance. Make sure that your insurance company knows that you have a pool because in case of damage they won't cover anything that they aren't aware of. Also, keep in mind that many companies have stipulations regarding fencing, pool alarms and other features such as diving boards. Insurance companies place these parameters on their customers to ensure you and the company is at a lower risk. General liability policies protect against such things as injury or accidents that may occur in or around your pool. Having general liability to cover your pool is always advised. Umbrella insurance is used to extend existing liability coverage. Umbrella policies ensure your liability coverage offers further protection against others being injured or hurt while on your property. If you are considering allowing your residential pool to be used for swimming lessons, then you will need to get in touch with your insurance agent to discuss coverage options. This has additional risk that places even more liability on a homeowner.

In closing, as with any other investment, there are many factors in determining the type of pool enclosure and insurance policy is right for you. After contacting Hurricane Fence Co. for you swimming pool fence, contact you’re your insurance agent to make sure you are adequately insured

Article contributed by fence professional Chuck Billmyer

 

 

 

Topics: Residential Fence, Pool Fence, Insurance

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