Homeowners insurance is there to protect you when the unexpected happens—but did you know it might cover damages to your outdoor spaces? At Milton Stone, we’ve worked with homeowners navigating insurance claims for hardscaping repairs, so we know the ins and outs of what’s typically covered. Here are the top 5 landscaping issues that may qualify under your homeowners insurance policy.
1. Storm Damage to Hardscaping Features
Heavy rain, hail, or windstorms can wreak havoc on outdoor features like retaining walls, patios, and stone walkways. If a storm damages these elements, your insurance policy might step in to cover the repairs or replacements.
💡 Tip from Milton Stone: After a storm, take clear photos of the damage and call us for a professional assessment. We’ll provide an accurate quote to help streamline your claim process.
3. Vandalism and Theft
Acts of vandalism or theft can take a toll on your outdoor spaces. From graffiti on stone features to stolen hardscaping materials, insurance may cover the costs of restoring or replacing the damaged areas.
💡 Did You Know? Many policies require you to file a police report for vandalism or theft-related claims. Be sure to act quickly.
2. Fallen Trees or Branches
A tree falling on your property can cause serious damage to your landscaping. Whether it crushes a stone pathway, fence, or retaining wall, insurance often covers the cost of repairs—especially if the tree fell due to a covered event like a storm. 💡 Pro Tip: Insurance may also cover the cost of debris removal if it’s part of the claim.
4. Fire Damage
Fire doesn’t just affect your home—it can also devastate your landscaping. Whether flames damage your interlocking driveway or retaining walls, most homeowners insurance policies cover fire-related repairs.
💡 Our Expertise: Milton Stone specializes in repairing fire-damaged hardscaping to restore your property to its original beauty.
5. Vehicle Collisions
If a vehicle accidentally crashes into your property—damaging a stone feature or other landscaping—this is typically covered under your homeowners insurance. The driver’s auto insurance may also play a role in covering the costs.
💡 Real Case Example: We once helped a homeowner repair a stone fence damaged by a car. Working with both the auto and homeowners insurance, we ensured a smooth process from start to finish.
What’s Usually Not Covered?
While these issues are often covered, it’s important to know what’s excluded:
Normal wear and tear.
Damages due to neglect or lack of maintenance.
Landscaping features not considered permanent structures (like plants or shrubs).
At Milton Stone, we understand how frustrating it can be to deal with unexpected damage to your outdoor spaces. That’s why we’re here to help—not just with repairs but also by working closely with your insurance provider to ensure the process is seamless.
If your landscaping has been damaged, don’t hesitate to reach out to us for an assessment. Together, we’ll get your property looking better than ever.
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