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Last update on May 31, 2025

Fencing questions, answered by experts

Yes, in many cases, homeowners insurance covers the cost to repair or replace a fence. Home insurance policies typically protect your home and other structures on your property, which often includes fences. If the fence is damaged by a covered event, such as a storm, fire, or vandalism, your insurer may cover some or all of the cost. However, coverage does not extend to damage caused by natural wear and tear, owner negligence, insufficient maintenance, or improper installation.

When your rolls of silt fence join together, you’ll want to overlap them to make sure they’re still as effective at keeping water out without requiring fastening together. Overlap two sections of the silt fencing so that two sheets of fabric cover the span of two posts. If you want to fasten them together, you can staple them or use a zip tie, depending on whether your posts are metal or wood. 

How long a wood fence lasts depends on the type of wood and its style. The design of a shadow box fence makes it more durable than other fence types because the alternating pickets disperse the weight across the rails. As a result, you won’t have to worry as much about sagging or failing pickets. However, remember that the hollow design of a shadow box fence makes it more difficult to apply the sealer, which is crucial to extending its life.

Who pays for a new fence between neighbors depends on its location relative to the property line. If you build the fence entirely on your property, you are solely responsible for the costs of installation, maintenance, and repair. If the fence is built directly on the property line, both neighbors are typically responsible for the costs. In this case, it is essential to consult with your neighbor beforehand to agree on a plan for payment. While you should always inform your neighbor of your plans in advance, you generally cannot force them to contribute financially unless there are specific local laws, such as in California, where both parties might be responsible for costs unless a different agreement exists. It's a good idea to get a property line survey to know the exact boundaries before building.

The legal implications of installing barbed wire fencing will vary from city to city. You should check your local regulations to see if barbed wire fencing is allowed, and what restrictions exist. For instance, some municipalities might require that your fence be a certain height and a certain distance from your home.

The Harrod, OH homeowners’ guide to fencing services

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