I would think you are within your rights to say this. If it really is going through insurance then the insurance company should cover the cost of temporary fences until they can fix the old ones. You can hire wire fences, that's what all the people with pools have to do while they are waiting for an insurance claim to go through.
There should be a tenancy advice line that you can call to check the specifics, but I'm fairly certain you are well within your rights to do something along those lines. It would definitely be best to call and find out the process though as you wouldn't want to pay reduced rent, and then receive an eviction notice for falling behind. 3 months is beyond a joke so there would definitely be action that you can take.
Call the tenancy board in your state & fair trading.
Its not acceptable, but if you threaten to move, will they care? They may just figure if you're out someone will put up with it.
They may decide to have you vacate if you go to the board anyway, but with no reason to evict, they have to give you 90 days (in NSW), so plenty of time to find a new place, over the 3-4 weeks if you told them you were considering leaving (they may consider that your notice).
I assume you're renting privately? Even if you are, all the rules apply. You neet advice about the right way to go about it. GL
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