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Well, time for a new fence...
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Old 06-01-2015, 12:10 PM
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Default Well, time for a new fence...

This is gonna cost me. After our recent round of storms, I'm gonna need a new fence.

Over half of the back part of my fence is basically laying in my back yard right now.

I found out that the original builders likely used inadequate materials.

I don't think Homeowner's Insurance will cover it, either.

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Old 06-01-2015, 06:03 PM
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I don't think Homeowner's Insurance will cover it, either.
There is a chance as the fence was felled by a storm. Also check your builder's contract for guarantees.
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Old 06-01-2015, 06:37 PM
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I've heard stories about people making relatively small claims, only to have the insurance go up.

Plus, if the fence failed due to inadequate construction or just due to normal aging I doubt insurance will pay for it, even if it was done in by the storm.
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Old 06-01-2015, 07:26 PM
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We're going to try to cover it OOP if we can...

But right now preliminarily we're looking at between $4,500 and $6,000, depending on actual footage, style of fence, materials, etc.

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Old 06-04-2015, 02:06 PM
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FWIW, there is a possible deduction for what the insurance won't cover...I had to do that for one of my steadies this season.
Here's the form and instructions.
More info.
Yes, you are welcome to PM me with more specific queries.
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Old 06-04-2015, 02:35 PM
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FWIW, there is a possible deduction for what the insurance won't cover...I had to do that for one of my steadies this season.
Here's the form and instructions.
More info.
Yes, you are welcome to PM me with more specific queries.
I'd assume, though, that I'd have to file this with insurance for that to apply.

My wife is reluctant to file this with our insurance. She doesn't want our homeowner's insurance to go up. So I don't think I'd be able to take advantage of that deduction.

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Old 06-04-2015, 03:58 PM
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I'd assume, though, that I'd have to file this with insurance for that to apply.
As a matter of fact.
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Old 06-04-2015, 04:02 PM
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As a matter of fact.
Oh, no question about it.

I just don't think I'd be able to take advantage of that, because my wife doesn't want to file it on our insurance. She doesn't think the $4,000 - $5,500 (or whatever it's going to be) is worth filing on the insurance.

Last edited by mjr; 06-04-2015 at 04:26 PM.

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Old 06-04-2015, 08:09 PM
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your going to have to let your insurance know anyways once you replace it, because you dont want something you do want to file for (personally i think anything over 2000 would be worth filing but hey thats me) to be paid less because your insurance isn't update on repairs and replacements you do.

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Old 06-04-2015, 08:20 PM
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your going to have to let your insurance know anyways once you replace it, because you dont want something you do want to file for (personally i think anything over 2000 would be worth filing but hey thats me) to be paid less because your insurance isn't update on repairs and replacements you do.
I hadn't considered that. Going to have to talk that over with the Mrs.
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