Bakersfield Wind Storm: Fence Damage and your Insurance

We are currently having a lot of claims for damaged fences from the high winds in Kern County. Here is a quick tutorial on the coverage your homeowners policy affords you and how we can help.

Coverage: Damage to your fence is covered under “Coverage B (Other Structures) subject to your deductible.

There are 2 types of fences and they apply differently to your insurance:

Shared Fences: Shared fences are fences that are shared with your neighbors. Your responsibility is for 50% of the cost of the damage to the fence. In the case of a shared fence your insurance company will pay 1/2 of the amount of the damage and split your deductible in 1/2. For example if there is $3000 in total damage and you have a $1000 deductible the insurance company will pay $1500 minus 1/2 of your deductible ($500) for a total of $1000.

Things to remember:

• You are responsible for 1/2 of the damage to a shared fence
• Your insurance company will split your deductible and you will be responsible for paying 1/2 of the deductible

Non-Shared Fences: Non-shared fences are fences that you don’t share with a neighbor such as front or side fence. You are responsible for 100% of the expense. If you have $3000 in damage the insurance company will pay $3000 minus your deductible.

Things to remember:

• You are responsible for 100% of the damage to a non-shared fence.
• The damage to your fence is covered under your homeowners policy minus your deductible

If you have a claim or want to discuss a possible claim give us a call 661-327-5531.  You can email us at ryanatcrosbyandcrosbydotcom (regular email format).

To turn in a claim directly to the company visit our claims page at http://www.crosbyandcrosby.com/claims/

Rest assured our emphasis is helping you handle a claim. It is never fun and can be confusing. We can help and make the process easy. We won’t say “fun” but we will handle your claim: quickly, efficiently and fairly. Aren’t you glad you chose a local agent?