• The ownership of boundary fences is shared between the adjoining property owners. Where the adjoining property is used for public purposes the resident property owner is deemed to be the owner of the whole fence.
• Insurance policies reflect shared ownership and cover up to an amount equal to the proportion of ownership e.g. 50%
• The benefit is usually settled as a cash payment, and is based on the full cost to repair or replace the boundary fence with the proportion of ownership applied.
• The shared ownership of boundary fences is the reason why insurers generally offer cash settlements as there is usually more than one party responsible for the repair.

What if the fence is constructed with asbestos?

Where a damaged boundary fence is constructed with asbestos materials all necessary precautions will be taken to remove debris safely, and repair or replacement costs will allow for the use of modern materials.

Who's responsibility is it negotiate and manage the replacement of the boundary fence the neighbours?

Once a boundary fence claim is settled, it is the responsibility of the property owner to negotiate and manage the replacement of the boundary fence with their neighbour/s.

How can my local council help me?

Your local council may provide you with fencing codes and guidelines, and assist with meditating boundary fencing disputes.

Looking to source local trades for your fence repair or replacement? 

Your local Master Builders Association can assist you with sourcing local trades to quote on your fence repair or replacement.

Step 1: Make Safe

If your property has been damaged, your insurer will arrange emergency works as soon as it is safe to do so to minimise any hazards and prevent further damage. This can include removing loose debris, isolating damaged solar panels or electrical circuits and installing a roof tarp.

 Step 2: Assessing the damage

An insurance assessor (or claims adjuster) will inspect the damage to your property. An engineers inspection may also be required to determine if there is any structural damage.

 Step 3: Scope of Work (or Statement of Work)

The Scope of Work is the written report that sets out the repair/rebuild work to be performed. It’s important to read the report and let your insurer know if changes are required. A Scope of Work can be varied later if further damage is found.

 Step 4: Repair

Once your Scope of Work has been agreed, it’s time to repair or replace the damage. If your insurer is managing the repair/rebuild, they will appoint a builder, arrange the contracts and notify you of the construction schedule. Your insurer will also manage local council approvals as required.

 Step 5: Cash settlement

You may take a cash settlement to manage the repair or rebuilding work yourself. It’s important that you comply with council regulations and buildings codes, as well as using a licensed builder. If you fail to do this, your home may not be insurable in the future.

 Step 6: Feedback/ complaints

If you are unhappy with the handling of your insurance claim, you can lodge a complaint with your insurer. Your insurer has a dedicated dispute resolution process to resolve your concerns. If you need further assistance, you can contact the Australian Financial Complaints Authority on 1800 931 678.