Are Pool Screens Covered by Insurance?
Pool cages or enclosures are common in Florida but Are Pool Screens Covered by Insurance? Some attach to the home, extending from the roof over the pool, while others may be freestanding.
Like any other part of the home, pool cages can suffer damage from wind and weather. And in Florida, the weather can be severe, as anyone who has ridden out a hurricane can attest.
Homeowner’s insurance doesn’t automatically cover all kinds of damage to homes and associated structures like carports, screened structures, and pool cages.
Get out your homeowners insurance or call your agents and ask, “Are pool screens covered by insurance?” The answer may be, “It depends.”
Structures Attached to the Home Are Pool Screens Covered by Insurance?
If a pool enclosure, lanai, or carport is tucked under an extension of the home’s roof, with the roof extending to a wall, the structure may be covered. However, if the framing of the structure is aluminum, it might not be covered.
Many insurance companies offer riders an additional cost to cover pool cages. Even if the enclosure is covered, it may be subject to a hefty deductible.
Cage and Screen
If a policy or an additional rider covers a pool enclosure, homeowners aren’t entirely in the clear. The policy likely will cover only the framing—the cage itself—and not the screening that stretches in panels between the ribs of the cage.
Maintenance is also an issue; the cage should be kept in a condition that meets its original rating for withstanding winds. If the screws that hold the framing together are worn or corroded, weakening the structure, the company may refuse a damage claim.
Most insurance companies that used to offer coverage for pool enclosures stopped insuring them after Hurricane Wilma in 2005. Pool enclosures simply aren’t built to endure hurricanes.
Those attached to the home and found to be structurally stronger may be covered for other damage, but not automatically in most cases. Coverage still may require an additional rider and endorsement.
The Fine Print
The most important thing for Florida homeowners wondering whether homeowners insurance covers pool screen enclosures is to read and thoroughly understand their homeowner’s policy, including endorsements, riders, declarations, and especially exclusions.
Call your agent to pin down whether your enclosure is covered, and if it is, what the limits of the coverage are. Does it cover just the structural elements, or the screening as well?
Are pool filters covered by insurance?
Not typically. Pool filters are not covered by insurance because they are considered a necessary part of pool maintenance. Most homeowners associations or neighborhood covenants require pool owners to maintain a certain level of filtration and clarity in their pools, and this is usually done by regularly changing the filter cartridge.
There may be some exceptions to this rule if the filter is damaged as the result of an accident or a natural disaster, but in most cases, it would be up to the homeowner to pay for a new filter if the old one was destroyed.
How much does a screen pool cover cost?
There isn’t a definitive answer to this question since the cost of a screen pool cover can vary depending on a number of factors, such as the size and shape of your pool, the type of material used, and whether or not you hire a professional to install it. However, you can expect to pay anywhere from $500 to $5,000 for a high-quality screen pool cover.
If you’re looking for an affordable option that will still provide good protection for your pool, consider a mesh screen cover. These typically cost between $250 and $1,000, depending on the size of your pool.
How often do pool screens need to be replaced?
Pool screens usually need to be replaced every three to five years, depending on how often they’re used and how well they’ve been cared for.
Screen repair is generally less expensive than replacement, so it’s important to take care of your screens to prolong their life. To clean pool screens, use a soft brush and a mild soap solution.
Harsh chemicals can damage the mesh, so avoid using them. Rinse the screen thoroughly after cleaning to remove all soap residue. Regular cleaning and rinsing will help keep your screens in good condition and prevent dirt and debris from building up, which can eventually lead to holes or tears.
Does a pool screen add value?
A pool screen definitely adds value to your home. Here are some of the reasons why:
1) A pool screen protects your pool from leaves and other debris that can clog up the filter and make the water dirty.
2) A pool screen also keeps out bugs, which can be a huge nuisance when you’re trying to enjoy a swim.
3) Pool screens can also help to reduce evaporation, which means you won’t have to add as much water to your pool over time.
4) In addition, a pool screen can provide some extra privacy for your swimming area.
5) Finally, a pool screen can increase the resale value of your home
Covered or not, pool enclosures require regular maintenance. Homeowners in and around Lakeland, Florida, in need of pool enclosure repair and screening, should contact Pool Screens R Us for professional and cost-effective pool screen repair service.