Fence Claims
Fencing damage caused by strong winds and storms is a common issue during winter. If your home insurance includes building cover, it likely provides protection for the cost of repairing or replacing the damaged section of your fence. Be sure to check your policy wording for the full details, including any conditions or limits that may apply to this type of claim.
If the fence is located entirely on your property, your insurer will generally cover the repair or replacement costs (minus your excess). For dividing fences shared with a neighbour, insurers typically settle the claim in cash and cover 50% of the cost (less the excess), with your neighbour responsible for the remaining 50%.
If your fence is damaged in a storm, contact your insurance broker before carrying out any make-safe repairs or emergency work, where possible. They can guide you through the next steps and ensure any actions you take align with your policy requirements. Be sure to take clear photos of the damage and obtain a repair quote. When it’s time to lodge the claim, you’ll need to provide this documentation to your insurer. If the damage is extensive, an assessor may be sent out to inspect the fence before the claim is approved or settled.
House fires caused by heaters or open flames
Portable heaters, fireplaces, and candles provide comfort in winter, but they also increase the risk of house fires. Claims related to fire damage are unfortunately common during colder months, particularly when heaters are left unattended or placed too close to flammable materials.
Home insurance policies typically provide cover for fire-related damage, including structural repairs and replacement of damaged contents. However, it’s essential to follow manufacturer guidelines and safety precautions, as negligence may affect your claim.
To reduce fire risks:
- Keep heaters clear of curtains, furniture and blankets
- Use fire guards on open fireplaces
- Never leave candles or heaters unattended
Taking these precautions helps protect your home and may support a smoother claims process should a fire occur.
Spoiled food from extended power outages
Severe storms or fallen power lines can result in prolonged outages, leading to spoiled food in your fridge or freezer. Many home insurance policies include limited cover for food spoilage following an insured event such as a storm or lightning strike.
To make a claim:
- Take photos of the spoiled items
- Keep a list of the estimated value of the contents
- Retain receipts where possible
While claim limits and excesses apply, this type of cover can help offset the cost of restocking your fridge after a storm-related outage.
Falling trees and branches
Heavy winds, rain-soaked soil and old or overgrown trees can lead to branches or entire trees toppling onto homes, fences, or vehicles. These incidents are a common cause of winter damage and may result in costly repairs.
Most home insurance policies cover damage caused by falling trees during a storm. However, if the tree was known to be diseased or poorly maintained, your claim may be impacted.
It’s good practice to:
- Inspect and maintain trees around your property
- Remove any dead or dangerous branches
- Contact your insurer before removing fallen trees, unless urgent for safety reasons
Clear photos and documentation will help with your claim if damage occurs.
Slips and falls on wet surfaces
Winter rain can make outdoor surfaces such as driveways, decks, and entryways slippery – increasing the risk of guests injuring themselves on your property. These incidents may give rise to liability claims under your home insurance, especially if you’re found to have failed in maintaining a safe environment.
To reduce your risk:
- Use non-slip mats near entrances
- Clean moss or algae build-up from paths
- Ensure outdoor lighting is functional
If a guest does fall and makes a claim against you, liability cover can help cover medical costs, legal expenses, and any compensation awarded depending on your policy limits and terms.
