
Are Pool Screens Covered by Insurance? What You Need to Know After Recent Hurricanes in Florida

In the wake of recent hurricanes, many homeowners in Florida are assessing the damage to their properties, including pool screen enclosures. High winds and flying debris can tear screens, damage frames, or even destroy entire enclosures. One question on many homeowners’ minds is whether insurance will cover the cost of repairing or replacing these damaged pool screens.
Understanding what your insurance policy covers—and what it doesn’t—can be a bit confusing, especially during the stressful period after a storm. In this blog post, we’ll help you navigate the ins and outs of insurance coverage for pool screens, so you can make informed decisions about repairs and replacements.
Does Homeowners Insurance Cover Pool Screen Damage?
The short answer is: it depends. Insurance coverage for pool screen enclosures can vary based on your specific policy, the type of damage, and even where you live. Here are some factors to consider:
- Coverage Type
- Most standard homeowners insurance policies offer coverage for damage caused by events like hurricanes, tornadoes, and high winds, but they may not cover pool screens under the basic policy. Some insurers consider pool screens to be “other structures” on your property, similar to sheds or fences, and may limit coverage or exclude it entirely. Always check your policy details to understand your specific coverage.
- Hurricane Deductibles
- In Florida, many insurance policies have a separate hurricane deductible, which is often a percentage of your home’s insured value rather than a fixed dollar amount. This means you may need to cover more of the cost out-of-pocket before your insurance kicks in. Make sure you’re aware of this deductible and plan accordingly.
- Additional Endorsements or Riders
- If your standard policy doesn’t cover pool screen enclosures, you may be able to add an endorsement or rider to include them. This is an additional coverage option that can protect your pool screen from damage caused by windstorms, hurricanes, and other perils. Adding this type of coverage can give you peace of mind, especially during Florida’s hurricane season.
What to Do if Your Pool Screen Was Damaged in a Hurricane
- Document the Damage
- After a storm, the first thing you should do is carefully inspect your pool screen enclosure for damage. Take clear photos and videos from multiple angles to document the extent of the damage. This will be important when filing an insurance claim.
- Review Your Insurance Policy
- Pull out your insurance policy and review the section on coverage for “other structures” or “screen enclosures.” This will help you determine if your pool screen damage is covered and what steps you need to take next.
- Contact Your Insurance Company
- Reach out to your insurance provider to report the damage and start the claims process. Be sure to ask specific questions about coverage, deductibles, and whether repairs or full replacements are included.
- Get an Estimate from a Professional
- Contact a reputable pool screen repair company, like [Your Company Name], to get an estimate for the repairs or replacement. This will give you a better idea of what to expect and help you provide detailed information to your insurance company.
Tips for Protecting Your Pool Screen Enclosure During Hurricane Season
While it’s impossible to predict the extent of a storm’s impact, there are a few steps you can take to minimize the risk of damage to your pool screen enclosure:
- Trim Nearby Trees and Branches
- Flying branches and debris can cause significant damage to screens. Keep trees trimmed and remove any loose or overhanging branches before a storm hits.
- Secure Loose Items Around the Pool Area
- Make sure pool toys, furniture, and other items are securely stored so they don’t become projectiles during a storm. This can help reduce the risk of damage to your pool screen and other property.
- Consider Reinforced Screens and Frames
- Reinforced or heavy-duty screens and frames are more resistant to wind damage. If you live in a hurricane-prone area, investing in stronger materials can save you the hassle of frequent repairs or replacements.
Need Professional Pool Screen Repair After a Storm? We’re Here to Help
If your pool screen enclosure has been damaged by recent hurricanes, don’t wait to address the issue. Even minor tears and loose frames can lead to bigger problems over time, allowing pests and debris to enter your pool area. At Poolscreens R Us, we specialize in repairing and replacing pool screen enclosures, ensuring your backyard remains a safe and relaxing space.
We understand that dealing with insurance claims can be stressful, and we’re here to help. Our team can provide detailed estimates and work with you and your insurance company to make the repair process as smooth as possible.
Understanding whether your pool screen enclosure is covered by insurance can save you time, money, and stress after a hurricane. Always check your policy details, consider adding extra coverage if needed, and be prepared to document any damage thoroughly. While we can’t control the weather, we can help you repair and protect your pool screen enclosures, so you’re ready for the next storm.
“Need help with hurricane-damaged pool screens? Contact Poolscreens R Us today for a free estimate, and let us take care of the repairs so you can enjoy a worry-free backyard oasis.”

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