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  • Writer's pictureMike Delahoz

Are Pool Screen Enclosures Covered by Insurance?

Florida is the "sunshine state" for good reason. It's known for its beautiful beaches and year-round sunny weather. So it's no wonder why so many Floridians have backyard pools. It's also common to install a pool screen enclosure to enjoy the pool without pesky insects or debris. But, what happens during those not-so-sunny days, when a pool enclosure gets damaged or destroyed during a storm? Are pool screen enclosures covered by insurance? We're breaking down those answers to help you understand your insurance coverage.

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Add Value to Your Home With a Custom Screen Enclosure


What Is A Pool Enclosure?

First, it's important to understand what a pool screen enclosure is. A pool screen enclosure is a structure made of aluminum or steel frames and covered with mesh screens. It's designed to surround and protect a swimming pool, patio, or other outdoor area from debris, insects, and other outdoor elements. Pool screen enclosures are a popular feature in Florida homes because they provide an outdoor living space that's protected from the elements and adds value to the property.

Is My Enclosure Covered by Insurance?

In most cases, pool screen enclosures are covered under a standard homeowners' insurance policy in Florida. However, coverage may vary depending on the cause of damage and the terms of the policy.

For example, if a pool enclosure is damaged or destroyed by a covered peril such as wind, hail, fire, or lightning, the policy will likely cover the repairs or replacement. However, if the damage is caused by wear and tear, lack of maintenance, or intentional damage, the insurance company may deny the claim or only cover a portion of the cost.

So you'll want to dig out that insurance policy from the to-be-filed pile in your home office. It's important to review the terms and conditions of the homeowners' insurance policy to understand what is covered and what is not. Some policies may have exclusions for certain types of damage or may require additional coverage for high-value items such as pool screen enclosures.

If you live in Florida, or if you watch the news, you know our state is prone to severe weather, hurricanes, and tropical storms. As a homeowner in Florida, you should make sure your insurance policy includes coverage for hurricane and wind damage, as these are some of the most common causes of pool screen enclosure damage in the state.

Steps to Take to Ensure Coverage

Review your insurance policy

Carefully review the terms and conditions of your homeowner's insurance policy to understand what is covered and what is not. If you have any questions, contact your insurance agent or provider.

Consider additional coverage

If your policy does not provide adequate coverage for your pool screen enclosure, consider purchasing additional coverage or upgrading your homeowners policy.

Maintain your pool screen enclosure

Proper maintenance of your pool enclosure can help prevent damage and prolong its lifespan. Regularly clean the screens, repair any tears or holes, and trim any overhanging trees or bushes.

Prepare for severe weather

If you live in an area prone to hurricanes or severe weather, take steps to prepare your pool screen enclosure for potential damage. This may include reinforcing the structure or removing loose objects that could become projectiles in high winds.

Florida Pool Enclosures Can Help

Pool screen enclosures are generally covered by homeowner's insurance in Florida, but coverage may vary depending on the cause of damage and the terms of the policy. Homeowners should review their insurance policy, consider additional coverage if necessary, maintain their pool screen enclosure, and prepare for severe weather to ensure that their investment is properly protected. If your pool enclosure is in need of some TLC, our team at Florida Pool Enclosures can help you. Give us a call today so we can take a look and get a plan in place for you.


Florida Pool Enclosures Proudly Services the Following Areas:

Orange County, Seminole County, Lake County, Osceola County, Volusia County, and Broward County. Our team commonly operates in Metro West, Doctor Phillips, Windermere, Kissimmee, Winter Garden, Gotha, Oviedo, Oakland, Apopka, College Park, Winter Park, Sorrento, Longwood, Altamonte Springs, Lake Mary, Heathrow, & Sanford.


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