Homeowners often invest a significant amount of money in their homes and properties. Hence, when disastrous events such as storms occur, it is a priority to protect the property and repair any damages. A storm can cause damage to various parts of your property, including the fence. A damaged fence can be a significant issue for property owners as it affects curb appeal, privacy, and security. If your fence gets damaged by a storm, it's crucial to know what steps to take and how insurance can assist.
The first step after a storm is to document the damage to your fence. You can use your phone or camera to take pictures of the damaged fence from multiple angles. This documentation is essential for filing an insurance claim as it provides visual evidence of the damage.
It's essential to call your insurance company immediately after a storm. Most homeowner policies cover fence damage from storms, and your Insurance adjuster will guide you through the claim process. They will ask you for the documentation of the damage you have, including photos of the damage, a list of the items that have been damaged, and the approximate cost of repairs.
If the damage to the fence is severe and it affects the security of your property, it's essential to consider temporary repairs. Necessary repairs, such as covering the holes in the fence, can help prevent further damage. However, it's important to make sure that the repairs are minimal and do not exceed the coverage cost limit on your insurance policy.
After completing the documentation process and temporary repairs, it's necessary to get an estimate. Contact a reputable fence contractor in your area and schedule an appointment to get an estimate of the repair cost. The estimate should be comprehensive and detailed, indicating the exact cost breakdown of materials, labor, and other expenses.
Once you have gathered all the necessary documentation and estimate, file the insurance claim. The claim process can take some time, so it's important to be patient and follow up with your insurance company regularly. Your Insurance adjuster will go through the claim process with you and provide guidance on how to move forward.
Fence damage from storms is a common occurrence, and it's essential to know what steps to take to protect your property and ensure that you receive the necessary coverage from your insurance policy. Remember to document the damage, contact your insurance company, perform temporary repairs, get an estimate, and file the claim. If you're unsure of what to do, consider seeking the guidance of a public claims adjuster in Orlando, like Ultra Property Damage, or contact a reputable fence contractor in your area. By acting immediately after the storm, you can increase your chances of receiving a fair claim settlement from your insurance company.