Random Woman Kicks Fence Down in Backyard - Insurance Claim?

Question

So my neighbor text'd me stating that my fence in the backyard fell down due to a random woman running up his driveway and when she tried to escape she tried to climb over his metal car fence but then kicked over my old fence to walk around his. She ran away. Luckily my neighbor has video cameras and sent me the video.

Is this something I can file an insurance claim for or would I have to get it fixed out of my pocket?

Charlie MacPherson · Answer

@Andrew Reid It depends on the amount of the damage.

You'll have to consider the amount of the deductible plus the impact that the claim will have on your future insurance premiums.

My guess is that it won't be worth filing a claim.

Samantha Klein · Answer

Fix the fence without insurance help. It's a fence after all. I personally would not file a claim ever unless it was tens of thousands of damage such as a flood or fire. The effect on your premiums are not worth it and you may get dropped too. It will be harder to find a company willing to cover you with a claim history. If you want to make it in real estate,  you need to have insurance at a reasonable price.

Andrew R. · Answer

Thanks Charlie for the reply. Definitely not sure it in the long run. just fixing the fence and replace next year.