Would you cover fences under a CP 00 20 Builders Risk form, due to fire damage, considering it as a structure?

Georgia Subscriber

So if I am understanding correctly, we are looking only at coverage under CP 00 20 Builders Risk Coverage Form. It is our opinion that the only way a fence would be covered under the form is if it is: (1) a structure described in the declarations while in the course of construction; or (2) a fixture, but this coverage applies only if the fence is intended to be permanent at the premises.