You’ve likely seen plenty of storms if you live in Oregon or Washington. While many can be mild, the most severe ones can significantly damage your fence or deck. After such a storm, the last thing homeowners want to deal with is issues with insurance and repairs. The good news? We’re here to help avoid any headaches.
With over 40 years of experience, Rick’s Custom Fencing & Decking has assisted countless homeowners navigate repairs through insurance. Read on to discover how to document fence or deck damage, get started with your insurance claim, set up your contractors with your insurance provider, and determine when you may need more than repairs.
If your cedar fence blew over in Gresham or your backyard deck in Salem was crushed by a fallen limb, start snapping photos as soon as it’s safe to do so and throughout the entire repair process. You may want to clear up the damage and start getting things back to normal, but it’s important to capture the damage when it’s fresh. Be sure to include:
The more thorough you are, the better—many insurance estimates and contractor bids can begin with just photos and a phone consultation. This can help secure your spot in line for repairs during peak storm recovery times.
The next step is to review your homeowner’s insurance policy and confirm that the damaged structures are covered. In most Oregon and Washington policies, items like fences, decks, pergolas, sheds, and patio covers fall under the “Other Structures” section. You can always contact your agent to confirm that these issues will be covered.
Be ready to provide:
Make sure you have your policy number ready to go when you call your contractor, as that can speed up the process for everyone involved.
Remember that in Oregon and Washington, you have the power over your insurance company to pick your contractor. So, how do you know who to select? We recommend you:
Many contractors avoid the headache of working with insurance companies, but a reputable fencing and decking contractor will take pride in advocating for its customers.
At Rick’s, our experienced team works with insurers across the region — whether it’s a homeowner in Hillsboro, Vancouver, or a customer near Tri-Cities—to:
Time and time again, we’ve seen insurance companies focus on their bottom line when they should be focused on you, the customer. We go to bat for you to get your home the help it deserves!
Not every damaged structure is worth repairing. If your vinyl fence was already leaning or your deck is starting to rot, now might be a good time to invest in an upgrade. Here’s why:
Talk to your Rick’s estimator about your options. You might find that a new simulated wood fence or a composite deck gives your home a fresh look—and more value—for less than expected.
Ready to start repairing or replacing your storm-damaged deck or fence? Reach out to Rick’s for a free estimate, or call the nearest location to start today.
For more resources on homeowners insurance in Oregon and Washington, check out these helpful links:
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