There are many reasons why a fence falls or becomes damaged and must be repaired or replaced. For example, when a vehicle strikes a fence. When this happens at night, the gap in the fence can be boarded up and secured for security purposes. However, the formal cleanup and repair will usually be made during daylight hours. The same principle holds true when a fence falls during a windstorm. The final repair will be made when the weather conditions and
the condition of the ground are more favorable.

An insurance policy generally covers fence repair costs when the fence falls because of wind damage or being struck by a vehicle. However, fence damage that results from poor maintenance and neglect is seldom an insured loss.