Are pool screens covered by homeowners’ insurance in Florida?

Why this is not a simple yes or no

Screen enclosures are commonly treated as an “other structure” on a homeowners’ policy, separate from the dwelling itself, which often means a lower coverage limit and sometimes a separate wind deductible. Some policies exclude screen-only damage entirely, or cap it at a percentage of dwelling coverage. The only way to know is to read your own declarations page for the specific line, not to assume based on what a neighbour’s policy did.

What to do before anything is removed

• Photograph the damage from multiple angles before any repair work starts, including wide shots that show the whole cage.
• Note the date and, if there was a storm, which one.
• Call your carrier before assuming the job is or is not covered.

Central Florida saw significant pool enclosure damage from Hurricane Ian in 2022 and from Hurricanes Helene and Milton in 2024 — . Whatever storm prompted the claim, the mismatch described on the permit guide and the mesh guide is worth knowing before you talk to an adjuster: Seminole County cages are engineered to a lighter wind load than coastal ones, so the frame usually survives and the claim is a rescreen, not a rebuild.