Insurance companies in the Florida are not required to include screen enclosure coverage. However, this doesn’t necessarily mean that they’re not covered. Some insurance companies include the coverage automatically. Yet other insurance companies exclude screen enclosure coverage and require the coverage to be added to the policy if the coverage is desired.
So what’s covered when you have screen enclosures coverage?
Once you have the coverage on your policy, you’ll need to ask your agent what’s covered as part of the screen enclosure coverage. The reason this is important is because not all policies are created equal. Some policies will cover just the screen enclosure cage while others cover will cover the cage and the screens.
How are screen enclosure claims handled?
Once you have the coverage and you know what’s covered, you need to know how it’s covered. Losses on screen enclosures can be settled on a replacement cost basis – meaning how much does it cost to replace the screen enclosure. However, some insurance companies settle these losses on an actual cash value basis – meaning how much was the enclosure worth at the time of loss. Naturally replacement cost will provide greater coverage at the time of loss.
Bottom line….
If you want your pool enclosure to be covered, don’t assume it’s included in the policy. Be certain request this coverage while getting quotes.
And remember these three questions when asking for the coverage:
Is it covered?
What’s covered?
How’s it covered?
Insurance always seems the same until you have a claim – don’t find out what you’re paying for after a loss. Plan ahead!
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