Fences serve as more than just property boundaries—they provide security, privacy, and aesthetic value to your home or business. However, when a fence is damaged due to storms, vandalism, accidents, or other unforeseen events, it can be both a financial and emotional burden. Filing a damaged fence insurance claim can help you recover the costs of repair or replacement, but the process can be complex and frustrating without the right guidance.
LMR Public Adjusters is a leading provider of full-spectrum public adjusting services in Florida. Our mission is to assist homeowners and businesses in navigating the complex process of filing insurance claims for property damage. With our expertise and dedication, we strive to ensure that our clients receive the maximum compensation they deserve.
At LMR Public Adjusters, we specialize in handling various types of claims, including storm damage, water damage, mold damage, fire damage, property claims, sinkhole damage, flood damage, wind damage, pipe burst damage, plumbing damage, tornado damage, and smoke damage. No matter the extent of the damage, we are here to help.
Our target audience includes homeowners and businesses in South Florida, particularly in Miami, Fort Lauderdale, West Palm Beach, Naples, Orlando, and Tampa. We understand the unique challenges and risks associated with living in this region, and our services are tailored to meet the specific needs of our clients.
What sets us apart from other public adjusting firms is our commitment to excellence and our track record of success. Our team of experienced insurance claim adjusters in Hollywood works tirelessly to ensure that our clients receive a fair and maximum settlement for their claims. We handle every aspect of the claims process, from conducting meticulous inspections to negotiating with insurance companies on behalf of our clients.
According to the Insurance Information Institute, wind and hail damage accounted for nearly 34% of all homeowners insurance claims in recent years.
Understanding how to file a damaged fence insurance claim is crucial to ensuring you receive the compensation you deserve. This comprehensive guide will walk you through every step of the process, from assessing the damage to negotiating with your insurance company.
The first step after discovering a damaged fence is to assess the extent of the damage. Take clear, high-resolution photographs from multiple angles. Document any contributing factors such as fallen trees, debris, or vehicle impact. This visual evidence will be essential when filing your claim.
Before initiating a claim, review your homeowner’s or commercial property insurance policy to determine if fence damage is covered. Most policies cover fences under the “other structures” section, but coverage can vary based on the cause of the damage. For example, damage from natural disasters like hurricanes or tornadoes may be covered, while wear and tear or neglect may not be.
Insurance companies will want to know the cause of the damage. Common causes include:
Identifying the cause will help determine if your policy covers the incident and what documentation you’ll need to support your claim.
Notify your insurance provider as soon as possible. Most companies have a limited window for filing claims, often within 30 to 60 days of the incident. Provide them with all necessary documentation, including photos, a written description of the event, and any police or incident reports if applicable.
While you can assess the damage yourself, hiring a professional inspector or a public adjuster can provide a more accurate evaluation. A professional can identify hidden damage and provide a detailed report that strengthens your claim. Property claims are often more successful when backed by expert assessments.
Gather at least two to three estimates from licensed contractors for the cost of repairing or replacing the fence. These estimates should include labor, materials, and any additional costs. Submit these estimates to your insurance company as part of your claim.
Submit your damaged fence insurance claim with all supporting documentation. This includes:
Ensure that all documents are organized and clearly labeled to avoid delays in processing.
If you’re unsure about the process or feel overwhelmed, consider hiring a public adjuster. LMR Public Adjusters can help you navigate the complexities of filing a claim, negotiate with your insurance company, and ensure you receive the maximum compensation. Our team has extensive experience handling wind damage, storm damage, and other property-related claims.
Once your claim is submitted, the insurance company will send an adjuster to inspect the damage. Be present during this inspection to ensure all damage is noted. If the settlement offer is lower than expected, don’t hesitate to negotiate. Provide additional documentation or request a re-evaluation if necessary.
After reaching an agreement, the insurance company will issue a payment. Depending on your policy, this may be a single payment or multiple disbursements. Once you receive the funds, you can proceed with the fence repairs or replacement.
"Policyholders who use public adjusters receive 747% higher settlements on average than those who do not." — Florida Association of Public Insurance Adjusters
Filing a damaged fence insurance claim can be daunting, especially when dealing with uncooperative insurance companies or unclear policy language. That’s where LMR Public Adjusters comes in. We offer a free claim assessment and operate on a contingency basis—meaning we don’t get paid unless you do.
Our team of experts is available 24/7 to assist with your claim. Whether you’re dealing with mold damage, storm damage, or a pipe burst that affected your fence, we have the experience and dedication to fight for your rights.
"Homeowners in Florida face some of the highest risks for property damage due to hurricanes and tropical storms." — National Oceanic and Atmospheric Administration (NOAA)
In Florida, where severe weather is a common occurrence, having a reliable public adjuster can make all the difference. LMR Public Adjusters has helped countless homeowners and businesses in cities like Fort Lauderdale, Miami, and Tampa recover from property damage and secure fair settlements.
We understand the unique challenges of filing a damaged fence insurance claim in South Florida. From navigating policy exclusions to dealing with insurance adjusters, our team is here to support you every step of the way.
"Only 50% of homeowners feel confident in their understanding of their insurance policies." — J.D. Power Home Insurance Study
Don’t let confusion or inexperience cost you thousands of dollars. Let LMR Public Adjusters handle the hard work while you focus on restoring your property. Our commitment to excellence, customer service, and results has made us a trusted name in public adjusting across Florida.
If your fence has been damaged and you’re unsure how to proceed, contact LMR Public Adjusters today. We’ll provide a free claim assessment and guide you through the entire process—from initial inspection to final settlement.
LMR Public Adjusters
Address: 6030 Hollywood Blvd Suite 110, Hollywood, FL 33024
Phone: (954) 603-7174
Email: claims@lmrpublicadjusters.com
Website: https://www.lmrpublicadjusters.com/
If your fence has suffered damage due to storms, accidents, or other unforeseen events, don’t wait. Contact LMR Public Adjusters today for a free claim assessment and let our experts help you secure the compensation you deserve. We’re here to fight for your rights and make the claims process as smooth and stress-free as possible. Call us now or visit our website to get started.
Dania Beach, Broward County, Davie, Weston, Boca Raton, Cooper City, Coral Springs, Deerfield Beach, Fort Lauderdale, Hollywood, Parkland, Pembroke Pines, Pinecrest, Plantation, Pompano Beach, Sunrise, Fisher Island, Miramar, Delray Beach, Hallandale Beach , Lake Worth, Boynton
