Who is Responsible For Repairing a Fence on a Property Line? (2024)

Good fences make good neighbors until it’s time to repair them. Heated debates and disputes can arise that sometimes end up in court. So it’s important to know who is responsible for repairing a fence on a property line. In truth, it depends on where the fence falls and local laws.

Let’s break it down so you don’t have to worry about footing unnecessary repair – and legal – bills.

What is a Boundary Fence?

A boundary fence, also known as a shared, division, or partition fence, is located on the line between two landowners and “used” by both parties. While each state differs in what constitutes “use,” typically, it indicates that both sides are occupying the shared land which this type of fence protects.

The cost and maintenance of boundary fences are typically split down the middle by both parties. But this isn’t always set in stone.

Who Owns the Fence?

The answer is usually determined by where the actual fence sits. If it’s on your side of the property line, you own it. If it’s on your neighbor’s side, it belongs to them.

But if it is directly on the line between you and your neighbor … well, that’s when things get tricky. The fence is owned by both parties in this scenario, and costs will be split evenly as well, assuming both neighbors are utilizing the fence.

If one party decided unilaterally to install a fence without consulting their neighbor first, the neighbor would still be liable for half of anything related to its upkeep and repair.

How To Prevent Fencing Issues with Your Neighbors

Things can get ugly between neighbors quickly if fences aren’t handled correctly. To preempt any drama, take steps to ensure everything is on the level. Here are the steps necessary to avoid issues over fence ownership:

Be Respectful, Communicate and Reach Agreement

The key to avoiding any issues or disputes surrounding who owns the fence is simply communicating. If planning updates, repairs, or a brand-new fence, it’s best to discuss your options with your neighbor beforehand. Some people may be open to compromise, while others will have their own ideas.

From the budget to the material used, there are lots of aspects to consider, which can be smoothed over by a friendly chat. Keep in mind that the finished side of the fence should always face outward as a courtesy to both your neighbor and passersby.

Observe Property Boundaries

Before you build, repair, or even discuss a boundary fence, be sure that you know (and your neighbor knows) precisely where each person’s property begins and ends. Don’t attempt to build in an area that isn’t yours, and don’t let your neighbor do it either without consulting you first. When in doubt, call a surveyor to get an official land assessment.

If your neighbor builds a fence with the sole purpose of annoying, harassing, or taunting you, it’s known as a spite fence. In such cases, local statutes may allow a court to stop the construction.

Check Local Fencing Regulations

Every town and city has its own set of regulations concerning fences. Do your homework before any work begins so you can stay on the right side of the law, no matter what happens with your neighbor.

Each state is different, so be sure you’re aware of your local statutes. In California, Civil Code 841 (Good Neighbor Fence Act of 2013) states: “Where a landowner intends to incur costs for a fence, the landowner shall give 30 days’ prior written notice to each affected adjoining landowner.”

In every state and city, there are height and length limits, setbacks, and other rules your professional fencing contractor must observe.

HOA Rules

If you’re part of a homeowners association, check the by-laws to see what rules and regulations your fencing project must adhere to.

In some HOAs, there may even be an approval process in place for boundary fences or, if there is a dispute, mediators available to arbitrate between the two parties. For instance, some HOAs may require any changes or repairs to be approved by the board before work can begin.

Most Common Scenarios for Fencing Disputes

Now that you have all the legal details out of the way, let’s look at a few common scenarios between neighbors and fencing:

One Neighbor Builds: Neighbors usually bear equal responsibility for maintaining a boundary fence, even if one person builds it without the other’s consent. The reason behind this is that it’s assumed both parties are benefiting from it.

One Neighbor Wants Removal: If one party wishes to do away with a boundary fence, don’t take it down without their input and permission. Otherwise, you might risk penalties or fines from your local government.

Neighbor Builds On Your Property: In case your neighbor decides to build the fence on your property, you should take it down as soon as possible. But make sure the area is actually your land and document everything in case a legal battle arises.

Home Purchase: If you’re purchasing a house with a fence in need of repair, make sure that you work it into the closing agreement or else those repairs are all yours after the deal is finished.

HOA or City Property: In other cases where your neighbor is a city property or your HOA, double-check all applicable regulations and bylaws before starting on any fence work. You might be in luck and find that local entities take care of the costs instead of the expense being divided.

Will Homeowner’s Insurance Cover Fence Repairs?

The good news is that your homeowner’s insurance should cover repairs to most fences, provided the damage didn’t result from neglect or poor maintenance. You likely have “other structures” coverage in your policy, which will typically cover damages due to vandalism, weather events, and other natural causes.

The amount of coverage usually caps out at 10% of your total policy coverage, but a good starting point is to review your policy in detail and call your insurance provider.

Here are the most common scenarios in which a homeowner’s insurance policy will cover fence repair costs:

Your Tree Falls On Your Fence: Homeowner’s insurance will cover the repair costs if a healthy tree on your property damages your fence. However, if the tree was old or neglected in any way, then the insurer may reject your claim.

A Neighbor’s Tree Falls On Your Fence: If your neighbor’s tree damages your fence, your homeowner’s insurance will be looking toward your neighbor or their insurer to cover those costs. However, you will still need to file a claim against your own policy for the portion of damage that falls within the limits of coverage.

Storms or Vandalism Damage Your Fence: Your homeowner’s policy will cover the costs to repair your fence in the event of damage due to storms or vandalism. As with other claims, a police report may be necessary in the case of vandalism.

Someone’s Car Crashes Into Your Fence: If a driver crashes into your fence, homeowner’s insurance will most likely cover the repairs, but depending on the damage, you may be able to file a claim against the driver’s property damage liability car insurance.

What Steps Should You Take Before Filing a Claim?

Take immediate photos of the damaged area before proceeding to file any claims. Be sure, also, to capture evidence of whatever has caused the damage, such as a fallen tree or the crashed car.

It’s also important to contact an independent contractor and get a professional assessment of the damage for any claims that you might file with your insurer. And, of course, reviewing your policy and any pertinent regulations or bylaws will save you from surprises down the line.

FAQ About Fence Repair Responsibilities

A Better Neighbor

Your next-door neighbor doesn’t need to be your worst enemy. A boundary fence shouldn’t come between a peaceful relationship with whom you share a border.

Whether you’re sharing the costs of repairs or starting a fresh installation project, make sure to know your rights, stay on the right side of local regulations and ordinances, and communicate openly with your neighbor so you can stay on good terms.

And when it comes to repairs, Fence Gnome can help you find local fencing professionals so your boundary fence isn’t an ongoing sore spot between you and your neighbor.

Photo Credit: Hendrik David / Canva Pro / License

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