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. 

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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

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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

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

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.

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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.

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    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

History & Psychology CH. 2: Where did the perimeter fence come from?

Posted by Michelle Goodwin on Fri, Jan 03, 2014

History & Psychology CH. 2: Where did the perimeter fence come from?

As the great English agriculturist Arthur Young said commenting on eighteenth century French peasants’ toil on their small patrimonies, “Give a man the secure possession of a bleak rock and he will turn it into a garden. Give him a nine years' lease of a garden and he will convert it into a desert." Being instrumental in the culture of property, the fence fostered long-term thinking and constructive effort. 

Land Ownership

Land ownership demanded lasting commitment and care that were beyond the capacity of a single individual, so since very early on land was attached not to the individual but to a family. In early Hindu and Greek law, land could not be sold or transferred to another family, either by bequest or as a dower. A father who had land was compelled to leave it to his sons. If he had no sons he must pass it to the nearest relation. Since no one could take away family land upon marriage, the fence was associated with native home and was helped facilitate inferred communication in a domestic context.

Having a strong visibility bias, the fence is an open declaration of intention. It says on the part of an occupant "I am here and planning to stay." This makes it an appropriate device to be associated with law.

Numa, the second king of Rome laid down in 7th century B.C. that each man should surround his land with a boundary and set up landmarks of stone or modern day bollards. He dedicated these landmarks to the god Terminus, and ordained that sacrifices should be offered up to him every year, appointing the Festival of the Terminalia. This worship of boundaries was meant to celebrate the conquest of the land of Rome from the Latinians and the Sabines originally occupying the region. Victory would not have been possible without the will of the gods and the fence being a symbol of this triumph had to be honored in appreciation. Thus the fence was invested with meaning and gained value.

roman fence

Further, in 7th century England, the King of Wessex added a new function for private peremiter boundaries: Responsibility. The business of protecting crops from cattle, was on the land-owner. The king proclaimed that a homestead must be fenced winter and summer. If it is not fenced and his neighbor's cattle get in through his own gap, he has no right to anything from that cattle or the the owner of the property it wandered onto.

Fencing America

In New America, John Winthrop, the first governor of the Massachusetts Bay Colony even passed a policy stating: "That which lies common, and hath never been replenished or subdued, is free to any that possess and improve it."

worm fence   Gettysburg resized 600

Pictured Above: A Worm Fence in Gettysburg Pennsylvania circa 1600.

Circa 1600 A.D., Jamestown Virginians were amazed to discover a fence structure that they'd not seen before. A worm fence is a pereimeter fence that lays logs atop each other at an angle eliminating the need for posts of any kind. The early settlers used their spare logs while yielded and clearing the residential land they forged.

Next Hurricane Weekly Fence Post

Chapter 3: The modern perimeter fence and how it helps shape current cultures.

Topics: Bollards, Perimeter Security, Specialty Fence, Residential Fence, Property Value, Temporary Fence, backyard Fence, fence timing, Historical Fence

History and Psychology CH. 1: Where did the perimeter fence come from?

Posted by Michelle Goodwin on Wed, Jan 01, 2014

great wall beijing

THE WALL

As one year ends and another begins, most of us are reflecting on the last year of our lives. Where we've been, how we got there, and where we're going. One can also marvel over the many ingenious inventions that have come from the human mind. We make history, we learn from it and we evolve, and move forward as a society.

I often wonder where things we interact with every day originated, who invented them and what their original intent was.

And, while we don't think about perimeters, and boundaries as structural elements on a daily basis, they are a part of all of our lives on a conscious and subconscious level. Anyone who has lived in the past several hundred years has gone through their entire lives in their presence. From the emotional tearing down of the Berlin Wall, the sheer visual impact of the Great Wall of China to the boundaries of our country's borders perimeter fences have played a major role in implicative communication throughout human history.

So where did the fence come from?

The history of civilization is closely tied with the history of the fence. Human civilization is conceptualized as emerging from agriculture, family and property. All of these evolved with the fence.

On the one hand, fences are tangible objects that have been put to use at all times for definite purposes. On the other, they are artifacts having meanings in the cultural systems they've resided in.

Fencing as a concept gives us a clue into the mentality of past societies and its symbolic usage in their societies The fence can be used to exemplify the role of technologies in culture.

While technologies enable us to act or behave in certain ways, they also make us think about what we do, and create habits of thought. Hence, our practices, built upon the media we use, shape up our conceptualization of the world. With continuous usage technologies highlight what is important to think about in our lives thus establishing cultural values. Culture then perpetuates itself by employing practices as symbols.

From this perspective studying the history of the fence is at the same time studying the culture of the fence. While no more than fragmented evidence from a small number of societies, time periods and locations, we can see how the use of fences in human societies has generated myths we live by and ideologies we now take for realities.

In the early stages of settling, human tribes tended to till the land in a group. Amongst the ancient Germans there were no separate estates or private boundaries. Germans practiced the so-called "shifting cultivation".

The appearance of the perimeter fence in human societies marked the transition from a pattern of looting nature to taking care of it. It was with devoted agriculture that fences came about. While it is impossible to name the inventor of this technology back in Ancient Mesopotamia, the first man who, having fenced in a piece of land, said "this is mine," and was able to persuade others to believe him, that man was the true founder of civil society.” The fence helped institutionalize one of the most important elements of the social contract – the collective recognition of private property.

Topics: Fence Design, Specialty Fence, Residential Fence Choices, Property Value, backyard Fence, Historical Fence, Top Three Reasons for Privacy Fence, Richmond Fence

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