In many cases, fence repair is covered by homeowners insurance under the “other structures” coverage, but there are important limitations. The damage must be caused by a covered peril in your policy, such as wind, hail, fire, vandalism, or a fallen tree. Damage from wear and tear, lack of maintenance, or termites is generally not covered.
For example, if a tree from your property falls on your fence due to a storm or wind, the damage is usually covered. However, if the tree was already diseased or rotting due to lack of maintenance, the insurer may deny the claim.