Problems · Insurance coverage
Are pool screens covered by homeowners insurance?
Whether a homeowner policy covers pool-cage or screen-enclosure damage depends on the carrier, the policy form, and often a specific storm-damage or “other structures” endorsement. No published, Florida-specific source pins down one rule that applies across carriers, and this page will not guess at your policy.
- Oviedo 32765
- Oviedo 32766
- Alafaya Woods
- Twin Rivers
- Live Oak Reserve
- Kingsbridge
- Tuska Ridge
- Carillon
- Seminole Woods
- Black Hammock
- Chuluota edge
What we can verify, and what we can’t
Read your policy, or call your agent
What is actually documented locally
The engineering standard, which is a different question
Two things are verified, and they answer an engineering question, not an insurance one: Oviedo’s aluminum/metal structures checklist requires wind design data meeting 129 mph ultimate design wind speed for Risk Category I buildings under FBC 1603.1.4, and the same document separately designates the city a 139 mph zone for Risk Category II buildings.
That is the standard a frame, anchor or beam is designed to under the Florida Building Code. It says nothing about what a specific insurance policy pays after a storm. The full wind-speed breakdown.
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are pool screens covered by homeowners insurance
It depends entirely on the carrier and the policy form — screen enclosures are commonly sublimited, excluded, or covered only under specific storm-damage terms in Florida homeowner policies, and nothing published in our research pins down a single rule that applies across carriers. Read your policy’s screen or “other structures” section, or call your agent, before assuming either way. What is verifiable is the engineering standard, not the insurance one: Oviedo’s adopted ultimate design wind speed is 129 mph for Risk Category I, the category screen enclosures normally fall in — and Seminole County is not in Florida’s High-Velocity Hurricane Zone.
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