Homeowner’s Insurance and Fencing

Homeowner’s insurance (depending on your policy limits) will cover damage to a fence caused by a hurricane/earthquake/storms/etc. Many times, this is only applicable if the fence is an attached structure, meaning that the fence is attached to the home itself. Fencing falls under “other structures” covered on a policy.

Situations

Your neighbor’s tree falls on your fence: This will depend on state-specific laws, your insurer may go to your neighbor for payment if the tree was deemed to have fallen due to lack of maintenance/negligence on the neighbor’s part. However, if the tree is located on a boundary line and is in both lots, insurance may hold both you and your neighbor responsible for half of the deductible each.

Your tree falls on your fence: If a healthy tree falls on a fence, the homeowner’s insurance will cover it (depending on your specific policy) However, if the tree was sick and deemed to be weakened through lack of maintenance/negligence, it will not be covered. Remember, insurance covers accidents only.

The fence is damaged from mold/fungus/termites: The fence would not be covered. Homeowner’s insurance covers accidents only. If you are worried about termite damage to a wood fence, consider getting a termite bond with a reputable fence company, but be sure that your wood fence is included in the initial inspection and is not excluded from the coverage of the bond. Wood fences require maintenance to prevent wood rot and fungus, see our tips on how to extend your fences life.

A storm blows down your fence: Homeowner’s insurance would cover the damage up to the coverage limits.

A car crashes through your fence: Homeowner’s insurance would cover the damage up to the coverage limits, however, you could likely file a claim against the driver’s car insurance if they have property damage liability coverage.

Before submitting a claim for your fence damage, take pictures of the damage and try not to move any damaged sections unless necessary. Call around and have some contractors give quotes for the repair. Decide if the cost of the repair is too high, or if it’s worth paying for the repair out of pocket to avoid filing a claim (a deductible is out of pocket anyway) An insurance company may pay to replace your fence, but they will only cover the “actual cash value”, so if you’ve let your wood fence rot and deteriorate, you probably won’t be getting much for a replacement.

How to Avoid Getting Scammed

How to Avoid Getting Scammed

A guide to choosing a reputable fence contractor in the Central Florida market

Let's be honest.  Let's be real.  Most businesses in the Central Florida marketplace are flat-out disappointing.  We’re often forced to settle or accept substandard customer service, product, workmanship, and even scams.  Rarely are customers left satisfied.

As our owner always says, “Don’t trust all that you hear, but trust 100% of what you see”, which is especially true when it comes to the fencing industry. It’s impossible to drive through any given neighborhood and not find that 80% of the existing fences are falling, warping, wiggling, or discolored. Is this what fences are supposed to do? Should I need to replace my investment every 5 years? These issues bring up many questions, but there’s only one answer.

We noticed potential customers in the Central Florida Market place were starved for information. It did not matter if it was fencing or some other service. All the customer wanted was information. Information beyond what a company’s marketing materials could provide or what a likable salesperson could present. What they wanted was a real conversation with a real person who understood their industry, service, and products. Simply put, they wanted the ability to make a well-informed decision.

That is often difficult to come across in today's market, so we have made it our company’s goal to educate the consumer so that they do not make costly mistakes. This article will cover red flags in the industry that may lead to subpar products or loss of money entirely. Follow these crucial steps when choosing a contractor to help yourself make the best-informed decision possible.

  1. The first step that many people skip is checking the Better Business Bureau, Angie’s List, or other trusted sites. It is quite common for companies to use fake reviews on Google or Facebook to help boost their ratings, and the 5-star reviews may drown the 1-stars, but don’t let that blind you. Read those 1-star reviews and take them into consideration. Some sites, such as the BBB, allow the company or contractor to reply to their reviews. Do they own up to their mistakes and try to make it right, or do they argue with the customer? A company that argues with their customer is a red flag.
  2. Look for reviews from customer’s neighbors. It is common to see reviews from neighbors about messes left on lawns, or landscaping that was destroyed. If a company does not respect a neighboring yard, they won’t respect yours.
  3. Look for reviews of bad communications with the company. You may see some that say, “the salesman was responsive and attentive until we signed, and now we can’t reach anyone!” That is a surefire red flag. It is common for fence companies to ask for large “material deposits” (50-60% of total bill), and then disappear, leaving the homeowner out thousands of dollars.
  4. Ask questions about the materials being used. Many companies will advertise high-quality products and provide economy grade materials upon installation, leaving homeowners paying a huge markup for a fence that will need replacement in 3-5 years. A reputable company should be able to provide you with manufacturer and warranty information. Look online for reviews on the material quality before you sign a contract.
  5. Check that the company or contractor you want to work with is licensed. Go to Sunbiz, and search either the company name or contractor's name. If they are listed as “inactive”, they are not currently licensed. Additionally, ask for the company's or contractors' insurance information. If they are not insured and you allow them onto your property, that is a recipe for disaster. If possible, look for a company or contractor who is insured and bonded. The difference here is that the bond works as second insurance and protects the property owner.
  6. Sunbiz will show you how often a contractor has closed and re-opened as another company name every year or two. That is a sign of a scam company. It makes them more difficult to trace. Additionally, look for a contractor with a storefront or physical address.
  7. Lastly, watch out for bogus awards. “Best of Orlando Fences 2018” a company will boast online. It looks great, but is it real? If legitimate, the company should appear when searching for the award name online. Chances are, “Frank’s Fencing” is not the number one rated fence company in your city.

When in doubt, call Paramount Fencing. Our customer service and installation are superior and proven.  We are ranked number one on referral sites such as Angie's List, NextDoor, and the Better Business Bureau. Our number 1 goal is to educate the consumer regardless if they go with us or go with someone else.  That is what we do, and we will still be here for you regardless.

TO SCHEDULE A FREE ESTIMATE CALL!  (407) 341-2720 Family Owned & Operated Since 2003 Veteran Owned and Operated.

 

Hurricane Preparation 2020

Hurricane Preparation 2020

Hurricane Preparation 2020

Just as we think that 2020 cannot get any crazier, Florida enters Hurricane Season. This year is expected to have an active season, with an estimated 13-19 named tropical storms. NOAA has predicted that 6-10 will become a hurricane, while 3-6 will become major hurricanes (category 3 or above)

This year’s active season could be escalated due to weather conditions in the Pacific. We do not have an El Nino this year, which is warm sea surfaces in the Pacific that helps suppress tropical storms. There is also a possibility that a La Nina will form, causing the waters to cool and react more severely with the warm atmospheric air.

Mixed with COVID, this could make for a very interesting storm season. The CDC is recommending adding hand sanitizers, hand soaps, cleaning supplies, medicine, and face masks to normal hurricane supplies in case of emergencies. Floridians are urged to begin preparing for storms now.

While many of us have lived in Florida through many hurricane seasons, and know how to protect ourselves, how can we better protect our homes from inclement weather? Paramount Fencing recommends the following:

 

  1. Board up windows with plywood or use storm shutters. Entry points such as windows and doors are the weakest points of a home.
  2. Protect against flooding by using sand bags. If you cannot get sand bags, fill heavy-duty garbage bags 1/3 with water and place them side by side to create a makeshift wall to protect your home. Park vehicles on higher ground if possible.
  3. Secure loose objects outside of homes such as patio furniture, play grounds, etc. Remove anything attached to your fence, such as art, plants, or equipment.
  4. Buy surge protectors to protect home appliances against electrical surges.
  5. “Inventory” your home. This will help with insurance claims if needed. Take pictures of your ceilings, porches, fences, and the serial numbers of electronics.
  6. Trim your trees. Most fence and roof damage comes from falling branches.
  7. Remove gates from fences and place them in the garage. Understand the gate areas are the weakest part of any fence line. They can be easily removed by removing the hinges attached to the gate itself. Simply remove the screws. Do not remove the screws attached to the fence itself.

 

Hurricane season spans from June 1st – November 30th in Central Florida.  In the event you are impacted by a Hurricane or tropical storm and suffer any damage, let us know immediately. Understand, the previous customers will always have priority over new customers. If you are not a previous customer, make sure you take the opportunity reserve pre-Hurricane estimate. We promise we will work diligently to fix your fence once the hurricane passes.

Our team will be here to help in any way possible. Even if you need assistance in cutting downed trees and removing debris, we are here to help.  We have tractors and chainsaws.

Call us today to schedule a free estimate

407.341.2720

How To Pick A Fence Company After A Hurricane

How To Pick A Fence Company After A Hurricane

How To Pick A Fence Company After A Hurricane

If you find yourself requiring a fence after a hurricane, make sure you don’t fall victim to the scams.  The market will be flooded with fly by night companies and individuals looking to make a quick buck.  Do your homework. Below is a checklist which will assist you in making a well-informed decision.

  1. Never call a fence company that placed a door hanger on your door unless they have a website associated with the company, a  Facebook, or a Google plus.
  2. Call at least three fence companies and request an in-person estimate. Phone quotes will only set you up for failure.
  3. When selecting the final bid, do your homework and check that company out. Below are few resources:
  4. See if the company has any complaint listed with the BBB.
  5. Join AngiesList.com and read the companies reviews. Try to avoid payment by click websites which claim to be a home advisor who sells your lead to as many fence companies as possible.
  6. Verify that the company is registered and licensed to do business in the State of Florida. Visit Sunbiz.org and do a corporate Search.
  7. Never give a fence company a material deposit in the form of cash or check.  Always, use a credit card.
  8. Do your research on the building method and materials being used.  There is a great resource guide at Paramount Fencing’s Buyer’s Guide