Quick Answer
Texas homeowners policies usually cover fences under other-structures coverage, typically 10% of the dwelling amount. The Texas Department of Insurance says a wind-damaged fence will probably be covered if the policy includes wind coverage. Photograph the damage before repairs. S&B Fencing repairs storm-damaged fences across Keller and North Texas.
Updated October 2026
Coverage Depends on the Policy
Other-Structures Coverage
Homeowners other-structures coverage includes fences. Most policies exclude wear and tear.Read the source
Wind Damage
TDI says a wind-damaged fence will probably be covered if the policy includes wind coverage. Policies usually pay actual cash value for fences. Other-structures coverage is typically 10% of the dwelling amount. Your policy terms, deductible and claim review determine coverage.Read the source
Document the Damage
- 1Photograph the damage and keep repair records. Ask your insurer about documentation, mitigation and the deductible before deciding how to proceed.
Roof Storm Damage
S&B Fencing is part of S&B Roofing & Exteriors. If the same storm damaged your roof, call S&B Roofing & Exteriors for a free roof inspection.
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