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Fence and Deck Storm Damage: What Homeowners Are Responsible For

Last updated October 25, 2026

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The short answer

Your Property, Your Responsibility

In most cases, the fence and deck attached to your home are your property. That means you are responsible for fixing them after a storm. If a neighbor's tree falls on your fence, their insurance might pay, but you still need to file a claim with your own insurer and coordinate the repair.

You should document the damage right away. Take photos of the broken boards, lifted nails, and any water that got into your deck structure. This record helps with your insurance claim and gives the pros a clear picture of what needs attention. Act quickly to prevent further rot or warping.

What Your Insurance May Cover

Homeowners insurance often covers storm damage to structures like fences and decks, but not always. Wind, hail, and falling objects are typically covered, while flooding from rising water is usually not. Your policy may have separate deductibles for wind or hail claims, so read it carefully.

Policies vary, and your insurer decides what is covered. If you live in Burnsville, keep a copy of your policy handy and review it before you need it. The pros can help with water damage inside your home, but you will manage the claim process yourself, including filing paperwork and communicating with your insurer.

  • Take photos of all damage before moving anything
  • Check your policy for wind and hail deductibles
  • Call your insurance company to report the claim
  • Get a written estimate from a local contractor
  • Ask about coverage for debris removal
  • Keep receipts for any temporary repairs you make

Temporary Repairs to Prevent More Damage

After a storm, you may need to make quick temporary fixes. For example, cover a torn roof or tarp a broken deck board to keep water out. These steps protect your home from further water damage while you arrange for permanent repairs.

Use plywood, tarps, and nails to secure loose sections. Be careful when working on slippery surfaces. If the damage is extensive, the pros can handle the drying and structural work. But you can do simple patching yourself to reduce the risk of mold and rot.

When to Call the Pros

If the storm caused water to seep into your deck's substructure or your fence posts are leaning, you may need professional help. The pros can assess the extent of the damage and dry out affected wood. They often work on decks and fences as part of a larger restoration project.

You might also consider a water damage inspection to catch hidden issues like rot or mold. This is especially useful if your deck is attached to your house and water could have reached the siding. The pros can tell you what needs to be replaced and what can be saved.

  • Water damage inspection for hidden rot
  • Structural repair for leaning or broken posts
  • Drying and dehumidifying enclosed deck areas
  • Mold prevention on wet wood
  • Coordination with your insurance adjuster

Preventing Future Storm Damage

After repairs, think about ways to make your fence and deck more storm-resistant. Use galvanized nails or screws, and consider reinforcing posts with concrete. Regular maintenance, like sealing wood and checking for loose boards, can reduce the chance of severe damage next time.

In a humid continental climate, wood expands and contracts with the seasons. That can weaken joints over time. Keep an eye on your fence and deck after heavy snow or rain. A little upkeep now can save you from a bigger repair later.

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Call (952) 522-6744 any time, day or night, and describe what happened.

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Frequently asked questions

Is my fence covered by homeowners insurance?

It depends on your policy. Typically, wind and hail damage to fences is covered, but flood damage is not. Review your policy or call your insurance company to ask. Document the damage and file a claim quickly. Policies vary, and your insurer decides what is covered.

What if a neighbor's tree falls on my fence?

Your neighbor's insurance may cover it if the tree was healthy and fell due to a storm. You'll need to file a claim with your own insurer and provide details. They will determine liability. Take photos and get contact information from your neighbor. Act fast to prevent more damage.

Can I repair the fence myself to save money?

Yes, if the damage is minor. Replace broken boards and tighten loose screws. For larger issues like leaning posts or structural rot, you may need professional help. The pros can handle complex repairs and ensure the fence is safe. Always check with your insurance before starting work.

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