Fence blown down?
Storm Damage to Fences — Are They Covered? (UK)
Almost no UK insurer covers fences, gates and hedges in a storm. See the exception and check your wording fast.
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The short answer
Fences, gates and hedges are excluded from storm cover on virtually every UK buildings policy. They are usually covered for fire, impact (car into fence) and theft only. Replacement after a storm is at your own cost.
Frequently asked
- Why are fences excluded from storm?
- Insurers treat fence damage as inevitable wear under UK weather. The exclusion is in the ABI's standard wording.
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Stop guessing. Check your actual policy.
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