The short answer
Many buildings insurance policies exclude fences, gates and hedges from storm damage cover, or only cover them in limited circumstances. Where fences are covered, insurers usually need evidence of a genuine storm and will refuse claims for wear and tear, rot or poor installation. Check your policy wording under 'storm' and 'exclusions' before you claim.
It surprises a lot of people, but fences are one of the most commonly excluded items in UK home insurance. Insurers argue that fences are exposed by nature and that most fence failures are down to age and rot rather than a single event. Some policies do cover fences – often only for certain causes such as a falling tree or a vehicle impact.
What policies typically say
- Storm damage to fences, gates and hedges excluded – very common
- Fences covered if damaged by a falling tree or vehicle – often included
- Fences covered for storm only if the main building is also damaged – some policies
- Wear and tear, rot and gradual deterioration – always excluded
- Damage from poor workmanship or faulty installation – usually excluded
- Flood or subsidence – covered under separate sections with their own terms
What counts as a storm
Most insurers define a storm by wind speed – often gusts of at least 47–55mph – or by exceptionally heavy rain, snow or hail. They'll check weather records for your area on the date of the damage. If the wind wasn't strong enough, they'll argue the fence failed because of its condition rather than the weather.
Why claims get refused
The most common reason is that the fence was already in poor condition. Rotten post bases, leaning panels and old fences near the end of their life are classic grounds for refusal. Insurers may ask for photos showing post bases or the age of the fence. A well-maintained fence on concrete posts is in a much stronger position.
See how long fences last and how to stop fence posts rotting.
Who pays if it's a shared or neighbour's fence?
The owner of the fence is responsible for repairing it. If your neighbour's fence falls into your garden, it's normally their responsibility – and their insurance, if any. If your fence damages their property, such as a car or shed, your liability cover may come into play if you were negligent. See which side of the fence is mine and neighbour fence disputes.
How to make a claim
Once the claim is settled or refused, consider whether to rebuild in a more storm-resistant way. See storm-proof fencing.
- Make the area safe – prop or remove loose panels
- Take photos and videos of the damage straight away, including post bases
- Note the date and time and check local weather reports
- Don't throw away damaged parts until the insurer says so
- Get a written repair quote from a fencing contractor
- Check your excess – for a short section of fence, it may not be worth claiming