2 x Storm and tempest issues
When I started in insurance, storm and tempest to fences was excluded property. This remains the case in many commercial policies although some have sub-limits.
While stationed in Perth from mid-1990 to September 1991, one insurer started to offer storm and tempest cover to fencing. At the time, my thought was: do you know the pandora’s box you have just opened up? Yet the market followed quickly and now it is quite often covered to this day.
The issue was, and I gather still is, that one of the most common fencing materials was corrugated cement sheeting which acts as a huge sail and is easily blown over. A second issue is that in my experience, particularly when saturated, it does not have much structural strength if hit by flying debris such as a tree branch.
Today I read that the most popular fence in WA, James HardieFence has been discontinued. So what will happen now when a section of fence is damaged and not the entire length?
The second issue is that with more and more residential and commercial properties having solar, and many complaints being lodged about dodgy installations, I am interested to learn if insurers /adjusters are seeing an increase in the average claim cost going up as a direct result of solar panels either because they do not cope well, particularly with hail and or due to the fact they have not been installed correctly. I would welcome input which can either be posted through the comments section or privately to my email: Allan.Manning@LMIGroup.com