Storm damage to fence not insured by John Lewis

sgt_bilko_2

We had some strong winds overnight that tore down the garden fence on two sides. The fence itself doesn't look too bad, however there are 5 vertical supporting struts that have snapped at the base. The struts are on our side.

I am insured (or so I thought) with John Lewis and have their premium package, including garden cover, so I rang up claims only to find that nobody is there until Monday and a recorded message saying fences are not covered against damage from wind or storms.

This would have been my first claim in 30 years on home insurance, so I am slightly stunned to find this is not covered and now wondering what it is likely to cost in terms of repairs? My insurance is due for renewal in January with a £430 premium, so I think John Lewis can kiss that one goodbye.

At the moment it's raining with continued heavy winds, so I don't think anything can be done today. One of the fences has fallen onto the neighbour's garden, but that is just gravel and concrete, so unlikely to be anything to worry about. The property is currently being rented and the owner is hundreds of miles away, but I know he is a bit of a chancer, so I am half waiting for the bogus claim.

This has really been a week from hell, so ending like this beggars belief. Thanks in advance for any suggestions or advice. I wasn't sure of the best category to post this.

p00hsticks

sgt_bilko wrote: »

I wasn't sure of the best category to post this.

There's a specific Insurance board here

https://forums.moneysavingexpert.com/forumdisplay.php?f=21
where you may be better re-posting.


Sorry I can't answer your questions - one point to bear in mind though if your neighbour starts kicking off is that unless you have dogs that need containing, there's usually no obligation on you to have a fence/hedge or any other construction to mark the property boundary.

[Deleted User]

Better to post this in the insurance boards.

But I would just fix it yourself, especially as you're not covered in any case.

sgt_bilko_2

Thanks I'll try reposting there.

Takmon

sgt_bilko wrote: »

Thanks I'll try reposting there.

You should also try reposting your fence too

MEM62

Takmon wrote: »

You should also try reposting your fence too

.....:rotfl: