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

Why all wood fence pickets eventually split, and how to stop it.

Posted by Michelle Goodwin on Fri, Oct 24, 2014

It is not a matter of “if” fence pickets split due to quality or age of product.  All wood fence pickets will eventually develop small checks regardless of wood type or species. Checks are small ruptures in the wood grain where the drying process has occurred unevenly. In other woods the moisture left the wood unevenly between the grains creating stress. The uneven drying was more than the wood could support thus it caused a small separation of the grain.

Set your dining room table outside in the sun for a week or two. No, we don’t recommend this. What you will more than likely discover is small fissures in the grain of the wood. Wood fence pickets are generally less than an inch in width and cut with the grain of the tree, exposing a great deal of surface area of the wood to the sun with little wood structure to hold itself together. In most installations, the pickets are not fully supported or capsulated on either end, thus not creating any resistance against this checking from occurring on the ends.

Why don’t my other wood products develop these checks, like my dining room table?  

Set your dining room table outside in the sun for a week or two.  No, we don’t recommend this. What you will more than likely discover is small fissures in the grain of the wood. Wood fence pickets are generally less than an inch in width and cut with the grain of the tree, exposing a great deal of surface area of the wood to the sun with little wood structure to hold itself together. In most installations, the pickets are not fully supported or capsulated on either end, thus not creating any resistance against this checking from occurring on the ends.

Because my fence pickets develop these checks, are they going to continue to split? 

Again, checking is the natural drying process of the wood. These small splits or checks should be no more than four to five inches in overall length and less than 3/16” in width. Checking should occur within the first few weeks of installation and should quickly slow after the first couple months of exposure to sunlight and low humidity. If you replace these checked fence pickets, there is no guarantee that you will not continue to see this process occur with the new pickets.  Regardless, the checks should NOT continue to grow overtime causing structural failure of the material.

 

wood fence repair Hardywood fence fence installation

Regardless, the checks should NOT continue to grow overtime causing structural failure of the material.

What if the checks in my pickets continue to develop? If the checks do continue to form large splits in the pickets, this is typically the result of external pressure being applied against the grain of the material. This pressure is created by nails splitting the grain or pickets that begin to cup but are pressed firmly against the rail in the installation process.  In this event, replace the pickets as this wood will continue to split.

How much will replacing split pickets cost? All situations and specifics differ, but as a rule you should budget around $200 give or take every three years.

Many natural wood issues can be maintained and solved with the use of a professional fence company. A local professional fence contracting company should be able to talk knowledgeably about this and all fence concerns you may have before, during and after installation.

Other Fence Factors

What could really be all that hard about fixing a board in your fence?

A lot actually. It even involves a good deal of math, the correct nails and fixtures, all specifically dependent for the right type of wood fence structure and installation.

Replacing a picket spike yourself on a fence installation could cause more damage and cost more money than well over $200.Wood fences are beautiful and natural for years.

Most people opt for a wood fence because the cost and the look combined are a win-win.When you are searching for a fence contractor, make sure that their service call record for their installations has good reviews.

Anyone can put up a boundary, but a professional fence installation contractor will be at your beck and call should anything come up down the road with your residential fence.

repair fence  Austin Fence Doctor Joe nailing fence picket

Topics: fences richmond, residential fence damage, residential fence repair, picket fencing, privacy fence repair, home fence maintenance, wood privacy fence, fixing privacy fences

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

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