Are Pool Screens Covered by Homeowners Insurance in Florida?
That is a policy question, not something a screen company can answer in general. This page is not insurance advice, and it says only what can be sourced rather than generalise about what Florida policies do.
Read your own declarations page.
Screened enclosures are frequently scheduled differently from the dwelling itself on a Florida homeowners policy, and wind or hurricane deductibles are frequently separate from the all-other-perils deductible — but “frequently” is not the same as “your policy,” and the only way to know is to read the declarations page or call the carrier directly.
The practical split most homeowners run into
- Sudden storm or wind-debris damage — the kind that tears a panel during a named storm — is the scenario most often treated as a covered peril, subject to your policy’s wind or hurricane deductible.
- Gradual UV degradation — a chalky, brittle panel that finally tears on its own — is wear and maintenance, which homeowners policies generally exclude regardless of cause.
Ask your carrier which category applies before assuming either way, and keep photographs from before and after any storm event. Altamonte Springs Rescreening is not an insurance adviser and will not tell you what your policy covers.