Jodie HumphriesJodie HumphriesDec 08, 2020(2 min read)

Most insurers consider fences a permanent fixture on your property. They are ranked alongside your home, garages or sheds, swimming pools, and solar panels when it comes to your home insurance policy. Your policy, therefore, covers your fences for the same incidents that cover your home or other parts of your property. For example, if there’s a major storm in your area and fences get blown down, you can get your insurer to pay for the cost of repairing the fence. You can check your insurer’s Product Disclosure Statement (PDS) to confirm that your policy covers the incident before filing a claim. Also, if the fence that has been damaged or blown down divides your property from your neighbour’s, you both may file a shared fence damage claim with your respective insurers. 

You should remember that there may be situations when your home insurance policy doesn’t cover damage to the fences on your property. Suppose you were working on or near the fence and cause some sort of damage to it you may not be able to claim compensation in this case.  Wear and tear on a wooden fence from water-logging near the fence, can be considered negligence on your part and your insurer may deny your claim.

Related FAQ's

Does home insurance cover accidental damage?

Home insurance offers cover for any damage to your house and most policies cover the main building, garage, permanent attachments, and other external buildings that can be locked. 

Every insurance policy lists the defined events that will be covered, such as fires, floods, lightning strikes, theft, or falling trees. A few may also offer the option of accidental damage home insurance cover for other possible mishaps and unintentional damage around the home, such as when the dog knocks over the TV, or when red wine is spilled on the carpet.

The home insurance accidental damage cover is available only for the address provided at the time of buying the policy. 

Does home insurance cover termite damage?

It is unlikely that the average home insurance policy will cover damage caused by termites, mice, or other vermin, which are typically the result of negligence. For instance, water may have seeped from a heater or washing machine and dampened the woodwork in your home, attracting termites. Since termites usually build colonies, you’ll need to deal with the existing infestation and also take preventative steps to prevent future termite damage.

Treating your home for termite damage can be quite expensive, and you’ll likely have to make significant repairs depending on the size of the infestation. You may want to check if your neighbours have also had termite damage issues, and consider taking more long-term measures to keep termites away.  For example, you could install a chemically-treated soil barrier or baiting station, both of which may be effective for a few years. 

Consider inspecting your home  for any leakage or seepage from time to time, especially in the flooring or the outer edges of your home, as a precaution against damage by vermin. You may also want to consider hiring a pest control professional who can inspect and treat your home to protect against termites.

Does home insurance cover rising damp?

If you spot mould formation on the walls of your home, the cause could likely be rising damp. As a homeowner, you are expected to monitor your home for rising damp and the resulting mould damage. If you do have rising damp in your home, the renovation of your walls can cost you thousands of dollars. Worse, most home insurance policies won’t cover you for such repairs, as mould damage is considered gradual damage arising from negligence or poor maintenance. 

In most cases, rising damp is a structural issue which occurs when the damp proof course (DPC) installed in your home is damaged or rendered inadequate. For instance, a broken or leaking storm pipe may result in water accumulating below the floor of your home, causing damp to rise through the walls. Equally, the sub-floor area or the DPC may be obstructed or damaged, for instance, by a concrete slab. 

You will need to hire experts to locate the exact problem and make the necessary repairs. Again, the issue causing rising damp can also result in other problems such as termite damage, which means you may need to act quickly. Remember, your home insurance will likely not cover termite damage either.   

Does homeowners insurance cover blown-down fences?

Most insurers consider fences a permanent fixture on your property. They are ranked alongside your home, garages or sheds, swimming pools, and solar panels when it comes to your home insurance policy. Your policy, therefore, covers your fences for the same incidents that cover your home or other parts of your property. For example, if there’s a major storm in your area and fences get blown down, you can get your insurer to pay for the cost of repairing the fence. You can check your insurer’s Product Disclosure Statement (PDS) to confirm that your policy covers the incident before filing a claim. Also, if the fence that has been damaged or blown down divides your property from your neighbour’s, you both may file a shared fence damage claim with your respective insurers. 

You should remember that there may be situations when your home insurance policy doesn’t cover damage to the fences on your property. Suppose you were working on or near the fence and cause some sort of damage to it you may not be able to claim compensation in this case.  Wear and tear on a wooden fence from water-logging near the fence, can be considered negligence on your part and your insurer may deny your claim.

Does home insurance cover tree root damage?

While trees can add much beauty to your property, they can be an indirect cause of damage to your home. For instance, a storm could knock branches off trees on to your roof or windows. A really strong storm may even cause the tree to topple entirely. 

Home insurance may not directly cover tree damage to your house. However, the policy will likely cover the incident, such as a storm, which resulted in branches or uprooted trees falling on your home. You can check your home insurance policy’s coverage for various incidents by reading the insurer’s Product Disclosure Statement (PDS).

You should remember that trees can require regular maintenance, just like the plumbing in our homes. Insurers may check whether the tree, its roots or its branches were rotting due to a lack of care, in which case the damage caused by the tree falling on your home may not be considered accidental damage. Again, if a branch falls on your house while you’re trimming it, you may not be able to claim compensation from your insurer for the damage. If any trees are growing too close to the walls of your home, consider checking that none of the branches or roots is causing any stress to your home, which can result in structural damage.

What does home insurance cover?

What home insurance specifically covers and the extent of the coverage depends on the insurance provider and the individual policy. However, home insurance typically covers the property and other permanent structures found on or in the property, such as fences, in-ground swimming pools, garages, and dishwashers, to name a few.

There are usually two types of homeowner's insurance you can choose from, with "total replacement cover" or "sum-insured cover". 

If you’re not sure which option to take, it may be worthwhile to speak to a professional valuer to understand how much it might cost to rebuild your home and replace what's inside.

How to file a Youi home insurance claim

Dealing with a disaster is never a pleasant experience, but it can be worse if your home is extensively damaged. At some point, you’ll have to estimate the damage to your home and file the necessary insurance claim. 

If you’ve bought a Youi home insurance policy, you can contact them regarding an insurance claim either by calling 13 9684 or through the Youi website. If you don’t remember your policy number, you can identify yourself and provide your address when speaking to a Youi member to grant yourself access to your policy details, handy if you’ve had to leave home in a rush and may not have had the time to collect any of your belongings, let alone insurance policy documents. 

You may not need to fill out any claim forms right away, but you’ll need to describe the incident and the damage caused to your home. Once you’ve contacted Youi, an inspector will visit your home and verify the damage before your claim is accepted and processed. Insurers usually expect you to contact them at your earliest possible convenience after a damaging incident, or within 30 days at the latest, as is the case with Youi

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