Homeowner's Insurance Inspections

Fences

Fences should be in good repair. Missing slats should be marked as a major condition concern only if there are SIGNIFICANT (general rule of thumb would be 25% or more of the fencing with significant problems would be a major condition, although this is not absolute as some very serious loss can occur from a smaller area with extreme damage). Missing pieces on the fence presents a liability exposure due to the sharpness of the damaged wood.

Full Section Removed? Broken Slats On Lower Right
Full Section Removed? Broken Slats On Lower Right

If missing slats allow access to the property and there is a pool/hot tub in the back yard, this specific condition should be noted and marked as a major concern. Missing sections contributing to poor structural integrity of the remaining fence should be noted as a major condition concern. SIGNIFICANT leaning of the fence or sections that pose a liability exposure due to falling over (collapsing) should be marked as a major condition.

Broken Slat - Minor
Broken Slat - Minor

Peeling paint on the fence should only be classified as a major IF it is extreme and there is bare wood exposed to the weather, resulting in dry rot. Minors in this category include, but are not limited to, a couple of missing slats, a few slats with slight damage or the fence slightly leaning over in a section.

Peeling Paint - No Dry Rot Noted
Peeling Paint - No Dry Rot Noted

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