Hurricane screen enclosure insurance pays to repair or replace your screen enclosure’s frame if it’s damaged during a hurricane. Basic homeowners insurance in Florida generally doesn’t cover this damage even when the policy includes hurricane insurance.
It makes sense to add on hurricane screen enclosure insurance if you live in a hurricane-ready area like Florida. Screen enclosures run anywhere from $5 to $15 per square foot – up to about $14,000, depending on the size of the pool. This coverage is an inexpensive way to protect your investment.
Hurricane screen enclosure coverage is typically available in $5,000 increments up to $50,000. You usually won’t insure the screen enclosure at its exact construction cost because the coverage is for the frame itself, not the screening.
While the coverage is usually just for the actual structure, that can vary among insurance companies. Some insurers will also provide coverage for the screens themselves in the event that a tree branch or something else penetrates the vulnerable screens or netting.
Note: In Florida, Kin covers hurricane screen enclosures on their actual cost value, not their replacement cost value.
Yes, when you use your screen enclosure coverage, your hurricane deductible applies. This is especially worth noting if you only have damage to the screen enclosure after a hurricane. In cases like that, you may want to get an estimate of damage before filing a claim to make sure it costs more than your deductible. Your coverage won’t kick in otherwise.
Learn more about when to file a claim (and when not to).
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