Not always. Many policies restrict or exclude storm damage to fences and gates even when the house itself is covered.
Why do fences fail?
- Posts rot at ground level.
- Panels become loose.
- Heavy vegetation catches the wind.
- Poorly latched gates twist posts.
Strengthening weak fence posts and panels
- Replace rotten posts.
- Secure loose panels.
- Trim vegetation pulling on the fence.
- Use a design suited to an exposed position.
See whether fences and gates are actually included
Look specifically for fences, gates and garden structures in the policy wording. Do not assume they are included simply because they form part of the property.