Updating post from Reddit.

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Posted by LondonStu 2 weeks ago
Fence blown down. Claim on insurance or no?

Tenant has sent photos showing the garden fence blown down in the storm. Let's say it costs £1500 to replace. Would you claim on your insurance? I've never claimed on my landlord insurance and I wonder how much they will jack the premium up next year if I make a claim for this.

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Posted by TipNew7714 2 weeks ago

Unlikely it’ll be covered as most policies exclude fences from storm damage. Check your wording.

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Posted by towelie111 2 weeks ago

Need way more info. How long is the fence? What type is the fence? £1500 seems a lot. Most fences are done in parts so would think only part needs fixing? I always have this issue with a house with the slot in fence panels. But they are like £20-30 each and just slot in/out. So only a few break a time and they get replaced.

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Posted by kazordoon314 2 weeks ago

Exactly,  if the fence blew away, my guess it was a wooden panel, which you can get cheap in b&m. I just got a 3x6 panel from them last week because of the wind. £25.

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Posted by dapper_1 2 weeks ago

Look through your policy, fences are not usually covered from storm damage.

Even LV have it on their main LL insurance page on whats not covered:

  • Gradual wear and tear
  • Breakdown of household appliances
  • Fences damaged by storm

https://www.lv.com/home-insurance/landlord-insurance

I would replace the fence with concrete posts with gravel board at the bottom and a slideable fence panels.

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Posted by paulywauly99 2 weeks ago

Fences and outbuildings not normally covered.

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Posted by ralaman 2 weeks ago

Depends if fence is covered with your insurance provider.

Many I have read do not.

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Posted by Happytallperson 2 weeks ago

As others have said, likely excluded from cover but also if the fence is more than 10 years old they'll likely say its wear and tear and not insured damage as well. 

Replacing the fences every 10-15 years is part of cost of property ownership - maybe a bit longer if you spring for concrete posts, but less if you get your dodgy mate Dave to do the install.

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Posted by Willing_Ad_375 2 weeks ago

Claim. I would.

Perhaps I’m petty, but I pay a lot out in insurance and use it when needed. Other people say ‘don’t claim, because your premiums will go up’ but then why have it if you don’t claim??

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Posted by chabybaloo 2 weeks ago

Because every other insurance then asks you if you have had a claim in the last 5 years, then suddenly they are unable to quote you online.

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Posted by ralaman 2 weeks ago

Ring them for a quote?

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Posted by LettuceWithBeetroot 2 weeks ago

My own new fence was a casualty in the storm and after checking my (enhanced) policy, it's not covered.

Can't see LL insurance being any different....

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Posted by whitevanmanc 2 weeks ago

Depends on the fence. Is it salvageable?

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Posted by LondonStu 2 weeks ago

Not really. It was cheaply installed by the previous owner. But irrespective of whether it's salvageable, my question is about whether it would bite me later if I made a £1500 claim on my landlord insurance.

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Posted by AvenueLane96 2 weeks ago

It works like all insurance. You make a claim, it goes up.

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Posted by New-Shopping-7996 2 weeks ago

I’ve had same issue

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