Some situations, like vandalism and storms, were discussed in the intro. To further explore the question, “can you claim for a fence on house insurance?”, let’s look at other scenarios. If your neighbor’s tree falls on your fence, file the claim with your insurance company. It doesn’t matter who owns the tree. If the claims adjuster finds evidence that your neighbor overlooked basic maintenance or ignored disease, your insurance company may try to recover its costs from the other company. Similarly, if your own tree damages your fence, contact your insurance company. They may also help with removing the debris. If your fence is vandalized, struck by a vehicle, or damaged by covered storms (lightning, fire, hail, and windstorms), you’re covered. Damage by fungus, mold, insects, mudslides, floods, earthquakes, and sewer backups is not covered.