Storm damage fencing is covered on most home insurance policies. Note that not all causes of wind and storm damage are covered. Some policies will not cover your damaged fence if you or your neighbour have caused the fence to be damaged. Fences are not meant to be retaining walls, areas to grow vines on, pot plant holders, Shade sale/ cloth attachments, damaged by children kicking balls against them or pets jumping up them. Also gardens adjacent to fences can put stress on the fence, especially Hardy fence. Pressure and wind over time damage the fence. Undermining the fence by tree roots can also cause damage. Tree and plant roots can force there way between Hardifence sheets causing it to crack.
Storm damage insurance for your fence, Hardifence, Colorbond, Pine lap or gates, normally covers the damage associated with the following:
“I suggest calling your insurance company before the storms” damage your fence just so you know where you stand. Fence storm damage can be expensive to repair. You do not want to be left paying the whole bill. your insurer may or may not also cover earthquake or flood damage. I have had a customer who lost their fence due to a flood knocking their fence down. This flood was caused by a burst water pipe, not a storm.