{"id":10,"date":"2026-09-29T13:37:51","date_gmt":"2026-09-29T19:37:51","guid":{"rendered":"https:\/\/www.akoyainsurance.com\/blog\/?p=10"},"modified":"2026-09-29T13:37:52","modified_gmt":"2026-09-29T19:37:52","slug":"wind-knocked-down-the-fence-is-it-yours-or-the-neighbors-claim","status":"publish","type":"post","link":"https:\/\/www.akoyainsurance.com\/blog\/wind-knocked-down-the-fence-is-it-yours-or-the-neighbors-claim\/","title":{"rendered":"Wind Knocked Down the Fence. Is It Yours or the Neighbor’s Claim?"},"content":{"rendered":"

After a strong North Texas storm, it’s common to walk outside and find a section of wooden fence flat on the ground. In Bedford neighborhoods, where backyards sit side by side, that fence usually borders a neighbor’s yard too. The first question is almost always the same: whose insurance handles it?<\/p>\n

Start With Where the Fence Sits<\/h2>\n
\nEntirely on your property<\/strong><\/p>\n

It’s generally your fence, and your homeowners policy’s coverage for other structures is the place to look.<\/p>\n<\/div>\n

\nEntirely on your neighbor’s property<\/strong><\/p>\n

It’s generally theirs, even if you see it every day from your patio.<\/p>\n<\/div>\n

\nRight on the property line<\/strong><\/p>\n

Ownership may be shared, and any agreement between neighbors or HOA rules can shape how repairs are handled. A survey or plat helps settle where the line truly runs.<\/p>\n<\/div>\n

Storm Damage vs. Wear and Tear<\/h2>\n

Wind is typically a covered cause of loss for fences under Texas home policies. What often complicates a claim is condition. A fence with rotted posts or long-term leaning may be viewed as a maintenance issue, even if a storm finally knocked it over.<\/p>\n

When a Tree Is Involved<\/h2>\n

If a neighbor’s healthy tree falls on your fence during a storm, your own policy usually handles your fence. Responsibility can shift if the tree was visibly dead or diseased and the owner had been warned.<\/p>\n

Neighborly Steps Before Repairs Begin<\/h2>\n
    \n
  1. Photograph the damage from both yards<\/li>\n
  2. Talk with your neighbor before calling contractors<\/li>\n
  3. Check HOA fence guidelines for height and materials<\/li>\n
  4. Decide together whether one or both of you will contact an insurer<\/li>\n
  5. Put any cost-sharing or ownership agreement in writing<\/li>\n<\/ol>\n

    Akoya Insurance helps homeowners across Bedford and the Hurst-Euless-Bedford area understand how their Texas home insurance<\/a> treats fences, sheds, and other structures before the next storm arrives. Learn more about our agency<\/a>, or reach out through Akoya Insurance<\/a> on Airport Freeway in Bedford, TX.<\/p>\n","protected":false},"excerpt":{"rendered":"

    After a strong North Texas storm, it’s common to walk outside and find a section of wooden fence flat on the ground. In Bedford neighborhoods, where backyards sit side by side, that fence usually borders a neighbor’s yard too. The first question is almost always the same: whose insurance handles it? Start With Where the […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[15,16,14],"class_list":["post-10","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-akoya-insurance","tag-bedford","tag-home-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t