Common Causes of Damage to Wood Fencing
Hail can cause a lot of damage to your fence. It can break down the protective seal that your stain provides, allowing water to soak into the wood at new points of entry, such as cracks and holes. It can also leave behind small dents and discoloration on the fence material.
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In addition, if your home has an older fence that isn’t properly maintained, it may not be resistant to hail. In that case, it’s time to replace the fence to make sure you’re protected from future hail damage.
The wind is another common hazard that can cause damage to your fence. It’s important to check for any loose posts and support beams and replace them as soon as possible if you notice them. This is especially important for wooden fences, as they are more likely to be affected by strong winds than other types of fencing.
Rust is another damaging element that can impact your fence. It can lead to the outer surface of your fence material breaking down and causing it to rot, so be sure you’re choosing a fence that is more resilient to this type of damage.
Ice is also another hazard that can damage your fence. This can cause the fence to topple over, so it’s important to remove any built-up ice from the surfaces of your fence before it gets too severe.
If your fence is a vinyl or aluminum one, consider applying a waterproofing treatment to help prevent moisture damage. This can prevent water from seeping in and making your fence swell and rotten.
Vandalism is also a common threat that can be detrimental to your fence. Whether someone spray-painted your fence or took a baseball bat to it, it’s important to get the culprit identified as soon as possible so that you can file an insurance claim and receive compensation for the damage.
Mold and mildew are two other problems that can occur when rain or snow sits on a permeable surface, such as a wood fence. These fungi can eventually cause your fence to rot and require extensive repair or replacement.
Thankfully, most homeowners insurance policies include coverage for the damage to your fence that occurs during storms and other covered events. It’s typically found under “other structures” or Coverage B, but it’s important to read your policy carefully so that you understand exactly what is and isn’t covered.
The cost of repairing or replacing your fence can be substantial, so it’s essential to file an insurance claim as soon as you notice any issues. If you wait, your repairs could increase your deductible or even cause your home insurance premiums to go up.
Fortunately, most home insurance policies include coverage for the damage to your wood fence that occurs during storms and other covered situations. It’s also important to read your policy carefully so that you can understand exactly what is and isn’t included. For instance, if you live in an area that experiences frequent severe weather, it’s a good idea to purchase a policy with a high enough deductible to protect you against costly repairs.