Now, having been kept awake all night by the wind and being totally exhausted as a result (I have had literally no sleep at all), it seems as though my garden fence is about to completely collapse because of the stupid bloody wind. There's no way I can see to shore it up or otherwise reinforce it and I have no idea what to do. I can't see any way
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Also, is the bit of fence that's collapsed definitely your responsibility? I don't know what your garden layout's like, but where there are houses and gardens in a row you're likely to be only responsible for one side of the fencing in your garden, not all of it (the end's a different matter, I'm not sure how that works with a shared fence). Which side it is will depend on your house, but that might be worth looking at.
Either way, you might be able to get your neighbours to help out with the physical aspect when it does come to getting it fixed. In the meantime, if it is your responsibility, talk to them so they know that you know it's something that needs fixing, but explain that it'll be a few weeks before you can get to it. Buy yourself some time to deal with other stuff first.
*hugs*
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Re the insurance - it'd depend on your specific policy. Some are more comprehensive than others. A quick scan through your policy documents should give you an idea, otherwise you could call them when you have a chance (yeah, I know that's a big ask right now).
On the plus side, I'm guessing the neighbours will be less bothered about how quickly you fix it given that it's not exposing their gardens.
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Stop worrying - it's not a hard thing to get sorted (it can almost all be done over the phone, then they'll do the work for you) and whilst it will cost a bit, it will then hold properly if you get them done the way ours are.
Plus any further damage willl be fixable by replacing a single panel rather than the whole thing.
And it depends on what your insurance says as to whether it will cover the wind blowing it down.
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