After a strong Florida storm, it’s not uncommon for homeowners to step outside and notice a few torn screens or bent beams on their pool enclosure. That’s usually when this all-too-common question comes up: Are pool screen enclosures covered by insurance?
The short answer is, it depends on your policy. Understanding how coverage works and what you can do ahead of time can make a big difference in protecting your outdoor space.
What is a Pool Enclosure?
A pool enclosure is the screened or framed structure surrounding your pool area. It adds shade, keeps pests out, and protects your deck from debris. These enclosures are often made from durable aluminum frames with fine mesh screens built to withstand Florida’s weather. While they’re designed for longevity, severe wind or flying debris during hurricanes can cause damage
In these situations, pool screen enclosure insurance coverage becomes important.
Is My Screen Enclosure Covered by Insurance?
In most standard Florida homeowners’ policies, your pool enclosure is classified as an “other structure,” similar to a detached garage or fence. That means it may have limited coverage, often capped at a percentage of your total dwelling coverage.
However, there’s a catch. Many policies exclude damage from high winds, hurricanes, or tropical storms, unless you’ve purchased additional protection. So while your insurance may cover things like fallen trees or accidental damage, windstorm-related destruction may not be included by default.
To find out if screen enclosures are covered by insurance under your specific policy, check whether “screen enclosures” or “aluminum structures” are named in your exclusions list. If they are, you’ll likely need a supplemental endorsement to get full protection.
Steps to Take to Ensure Coverage
Review Your Insurance Policy
Start by reading your declarations page and coverage details. Look for any exclusions or caps related to pool or patio enclosures. If the language is unclear, ask your agent to explain how damage would be handled after a storm.
Consider Additional Coverage
Adding an “other structures” endorsement or a specific screen enclosure rider can expand your protection. While it may increase your premium slightly, it’s often worth it, especially in coastal or high-wind areas where repairs can be expensive.
Maintain Your Pool Screen Enclosure
Routine upkeep can make a big difference. Tighten loose fasteners, replace damaged screens, and remove nearby branches that could break during storms. Regular maintenance not only keeps your structure safe but may also support future insurance claims by showing that it was properly cared for.
Prepare for Severe Weather & Hurricanes
Before hurricane season hits, document your enclosure’s condition with photos. If a storm is on the way, secure furniture and clear the area of potential projectiles. Afterward, inspect for tears, dents, or structural damage, and report it promptly to your insurer.
Florida Pool Enclosures by Absolute Aluminum Can Help
Whether you’re replacing damaged screens or planning a new installation, Absolute Aluminum is here to help. Our team builds pool and patio enclosures engineered for Florida’s toughest weather while keeping your space bright, stylish, and functional.
If you have questions about making repairs or remodeling your enclosure or want to upgrade to a stronger, hurricane-rated system, contact us today. We’ll help you explore durable options that look great and last for years – no matter what the forecast brings.