Insurance Claim Fence Repair

Storms come across Lake Livingston with wind that flattens privacy fences, drops pines on wire runs and peels chain link off its posts. After one of them, a homeowner has two problems: the fence, and the claim. We can help with both. We get to the property, document what happened, write an estimate that an adjuster can read line by line, and then rebuild the fence properly once the claim is settled or you decide to go ahead. We are a fence contractor, not a public adjuster; we do the fence part well and stay honest about the rest.

What we provide for the claim

• A prompt site visit to see the damage before anything is cleaned up, if we can.
• Photos of every damaged section, post and gate, with the cause visible where it is: the tree, the wind-loaded run, the water.
• A line-item written estimate with linear footage, materials, post counts, gates and labor, in the terms adjusters use.
• Answers to the adjuster's questions about scope, materials and why a section needs replacing rather than patching.
• Temporary measures where a fence is holding animals or securing a yard, so you are not waiting on paperwork with cattle loose.

How the job goes

1. Call us and your insurer. Take your own photos too. Do not throw away broken material until the adjuster has seen it or said they do not need to.
2. We document and estimate. Usually on the first visit.
3. Claim review. Your insurer reviews the estimate. If they want more detail or a different scope, we provide it.
4. We rebuild. Posts in concrete at full depth, braced corners, matched materials. Storm damage does not get a lighter standard than new work.
5. Final paperwork for your records and the claim.

Repair or replace after a storm

A run that blew over usually failed at the posts, and a fence with rotted posts was going to fail at the next storm anyway. We will tell you whether a section can be stood back up and re-braced or whether it needs new posts, and we put that reasoning in the estimate so the adjuster can see it too. Fence and gate repair covers how we approach repairs generally, and major causes of fence and deck repairs explains why storms find the weak spots they do.

Trees on the fence

A pine or oak across a fence has to come off before the fence can be assessed. We handle the fence side; if the tree work is more than clearing the line, we will tell you to call a tree service first. Clearing fences and fence rows covers what is involved.

What to do in the first day

• Make sure animals are contained and the yard is secured; a temporary panel or a tarp is fine.
• Photograph everything before anything is moved, including the tree, the posts and the ground.
• Call your insurer to open the claim and ask what they need from a contractor.
• Call us. We come document and estimate, and we can put up temporary fence if livestock are involved.
• Do not haul off broken material until the adjuster has seen it or said they do not need to.

Frequently asked questions

Do you work directly with my insurance company?

We work for you. We provide a detailed written estimate and photos in the form adjusters are used to seeing, and we answer their questions about scope and materials. Whether to file, and what the policy covers, is between you and your insurer.

Should I file a claim for my fence?

That depends on the damage, your deductible and your policy, and we cannot answer it for you. What we can do is give you a real repair or replacement price quickly, so you can compare it to your deductible and decide.

Will the fence be rebuilt like it was?

Most policies pay to restore what was there. We rebuild to match the original style and height, and we will tell you if the original was built in a way that caused the damage, so you can decide whether to upgrade that part.