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Fence, Siding, Roof Damage Lawyer: Ohio Homeowner’s Insurance

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Getting Insurance to Pay for Roof, Siding or Fence Damage

Roofs, siding and fences are some of the first things to get damaged when a calamity hits your house.

A strong homeowner’s insurance policy protects you and your wallet from these blows. Filing a claim, however, can be tricky. How the damage occurred plays a part in who will ultimately pay.

To be covered by homeowner’s insurance, the damage must be sudden and unexpected. If siding falls off, or your roof starts leaking because of decay over time, your insurance company may seize on that to deny your claim.

If someone else’s actions caused damage to your roof, siding or fencing, you may have to pursue compensation from the responsible party before your homeowner’s insurance contributes.

When you’re uncertain about what steps to take after suffering property damage, an experienced roof, siding or fence damage attorney can be a real asset. They can give you a strategy to restore your damaged home, so you can relax again.

At Horenstein, Nicholson & Blumenthal (HNB), we’ve protected Ohioans from financial setbacks for more than 40 years.

When you’re trying to figure out where to turn after suffering damage beyond your control, we want you to say, “Helping me, that’s HNB.”

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    Special Note About Fence Damage: Who Pays for a Fence on a Property Line?

    In Ohio’s long agricultural history, it used to be that fences separating farms and pastures were a shared responsibility of adjacent property owners. As the state’s population grew, the laws governing fencing changed.

    In 2008, Ohio modernized its fence laws. Basically, any new fence is now the responsibility of the landowner who built it.

    For fences older than 2008, the responsibility for upkeep is assigned depending on who needs the fence and for what purpose. If both property owners use the fence, then each may be responsible for a percentage of its maintenance and care.

    Thankfully, standard homeowner’s insurance will cover sudden damage to fences. They may try to deny you, though, by claiming the damage was caused by normal wear and tear.

    That said, every situation is unique.

    Let’s imagine your neighbor’s tree falls on your fence. If a storm knocked it down, you may have to tap your own homeowner’s insurance to pay for it. But if the tree fell because your neighbor failed to clear dead limbs or keep the tree healthy, then they may be on the hook to pay for your damage.

    It can be a challenge trying to prove who’s at fault. Have an experienced fence damage attorney look at your case and provide clarity about what you can do.

    At HNB Law, we regularly handle disputes between neighbors—and between homeowners and stubborn insurance companies who point fingers rather than take care of their customers.

    If you live in Cincinnati, Cleveland, Columbus, Dayton or anywhere in Ohio, we can help. We’ll give an initial appraisal of your case free of charge.

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    In Siding, Fence and Roof Damage Cases, What Is Ohio’s “Matching Law?”

    Insurance companies are in the business of making money, and claims for property damage hurt their bottom lines. They will often look for the least expensive way to make repairs.

    For example, if your roof or siding is damaged, your insurance company may try to replace just the damaged shingles or boards using the cheapest materials available.

    While this can work sometimes, you need to insist that it’s done right. The materials used to make the repairs must match the quality, color and size of the existing roof or siding to maintain a uniform appearance. This is known as Ohio’s “matching law.”

    An insurance company is legally obligated to pay for all repairs to meet this standard—even if it means replacing the whole roof or the entire side of your home in order to comply. It applies to fences, too.

    Don’t let an insurance company cut corners. At HNB, our fence, siding and roof damage lawyers in Ohio proudly hold insurance companies accountable on behalf of homeowners.

    We’ve won millions of dollars in settlements and other payments for Ohioans facing difficult situations. 

    After the unexpected happens, let’s see how we can help you return your house to its original condition and your life back to normal.

    Call HNB Today  Call HNB Today