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   Hail damaged privacy fencing
P:  11/1/2009 2:48:53 AM
birddogut

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Total Posts: 1
Last Post: 11/1/2009
Member Since: 11/1/2009

I see a lot of "peppered" 6' privacy fencing here in Central Texas.  The pickets are simply pressure treated and the hail impacts leave them pretty unsightly.  Whenever I recommend payment, I'm usually told there is no physical damage.  I know I would want some resolution as a homeowner.  Any suggestions?

 


Eric

Revisions : 0   |    Attached file: Fence2.JPG    |   Posted:  11/1/2009 2:48:53 AM   |   IP:  Recorded    |    Report this post


 There are 7 replies to this message.  There are 7 replies on this page.

P: 11/2/2009 9:13:29 AM
HailWatch

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Last Post: 11/2/2009
Member Since: 10/7/2009

Interesting post.  I live in Round Rock and we had a powerful storm move through a small section of the town about 3:00am 6-7 years ago.  The storm did 10 times the damage that you see on the fence picture you posted.  The fence looked like a shotgun hit it several hundred times.  I never filed a claim but I am not sure if I did there would be a payout.  The "dings" from the hail on the fence do not degrade the functionality of the fence like it would a roof.  What does the A/C unit look like?  Is this damage from the 3/25 storm? 

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Revisions : 0   |    Posted:  11/2/2009 9:13:29 AM    |    IP:  Recorded    |    Report this post
P: 11/2/2009 8:27:27 PM
dcmarlin

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Last Post: 8/22/2011
Member Since: 10/28/2007

Depending on the size, the marks are usually just oxidation and will fade away in several months.  Even if they are deep, I agree they still do not take away from the function of the fence. 

If the fence was painted or stained, now that is another story. 

Revisions : 0   |    Posted:  11/2/2009 8:27:27 PM    |    IP:  Recorded    |    Report this post
P: 11/23/2009 10:17:01 AM
Mike@Americon

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Last Post: 11/23/2009
Member Since: 11/23/2009

We had a similar situation with treated fencing in northern ohio after a couple of hail storms that went threw the area. I do agree that they fade over time, but sometimes that answer dosen't sit very well with insureds. I have found that if you offer to pressure wash the fencing, it removes most of the marks, and it is a cheap way to resolve the issue with the insured.

Mike

Revisions : 0   |    Posted:  11/23/2009 10:17:01 AM    |    IP:  Recorded    |    Report this post
P: 12/2/2009 10:19:50 AM
tellison49071

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Last Post: 12/2/2009
Member Since: 10/18/2007

Because the fence is still functional, doesn't mean it's not damaged.  Think of your car.  A ding in the fender doesn't stop it from being driveable, but nobody wants a dented fender.

I agree it's difficult to justify replacement, but try an "appearance allowance."  Cash for accepting the fence dinged. If the homeowner pushes it, I think replacement would be required.
 
tl

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P: 12/2/2009 4:38:28 PM
Willstorm

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Last Post: 12/2/2009
Member Since: 10/18/2007

That photograph looks a lot more like cedar than pressure treated pine.  Cedar is easily damaged by hail to the extent that the marks will not fade because they are indentions in the soft wood.

Thought I had been there and done that but I saw a new one today!

Revisions : 0   |    Posted:  12/2/2009 4:38:28 PM    |    IP:  Recorded    |    Report this post
P: 10/3/2011 5:34:57 PM
stormjockey

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Last Post: 10/3/2011
Member Since: 5/7/2009

I agree with Mike; most of the hail marks we saw on the hail storm we just finished in Kansas was cosmetic and not actual damage. We were estimating to power wash and re-stain -when applicable- the wood fence and wood decks, which looked like they had the measles. Carrier & insured happy.

Kevin

Revisions : 0   |    Posted:  10/3/2011 5:34:57 PM    |    IP:  Recorded    |    Report this post
P: 12/23/2013 11:47:38 PM
danielhermann

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Last Post: 1/25/2014
Member Since: 8/26/2013

Check out the policy. What does it actually cover? Does the fence need to be structurally damaged to file a claim or will it also cover the costs to restore it to its before position? How severe is the damage? If your policy does not cover natural causes, you may not be able to claim at all.

http://www.scholarsinsurance.com/

Revisions : 0   |    Posted:  12/23/2013 11:47:38 PM    |    IP:  Recorded    |    Report this post

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