Does Homeowners Insurance Cover Pool Enclosure Damage in Florida?
After a hurricane or severe storm, one of the first questions Florida homeowners ask is whether their insurance covers pool enclosure damage. The answer depends on your policy, the cause of damage, and your deductible.
Does Florida Homeowners Insurance Cover Pool Enclosures
Most standard Florida homeowners insurance policies cover pool enclosures as part of dwelling coverage or other structures coverage. However, pool enclosures are typically classified as other structures, covered at 10 percent of your dwelling coverage limit by default.
What Types of Pool Enclosure Damage Are Covered
Hurricane and windstorm damage is covered under most policies but with a separate hurricane deductible of 2 to 5 percent of dwelling coverage. Falling tree branches that damage the enclosure are covered under standard policies with your regular deductible. Fire, lightning, and vandalism are covered. General wear and tear, rust and corrosion, insect or animal damage, and neglect are typically not covered.
How to File a Pool Enclosure Insurance Claim
Take photos of all damage before making temporary repairs. Document the date and cause. Get a professional repair estimate before contacting your insurer. An adjuster will inspect and provide an estimate. Compare with your contractor's estimate and negotiate if they differ significantly. See our pool screen repair cost guide for typical repair budgets.