Orlando Harmon
Whether a screen enclosure is insured if attached to a house depends on your insurance policy. Some policies may include coverage for screen enclosures under dwelling or other structures sections, but it's important to carefully review your policy and understand any exclusions or limitations. While some insurance companies may offer riders at an additional cost to cover screen enclosures, others might exclude them entirely. Even if your policy covers screen enclosures, it may only insure the frame and not the screening material. To ensure adequate coverage, consider consulting your insurance provider and reviewing your policy details.
| Characteristics | Values |
|---|---|
| Insurance coverage for screen enclosures | Depends on the insurance policy, insurance company, and specific circumstances |
| Insurance policy factors | Insurance policies may include coverage for detached structures as part of dwelling coverage; endorsements and riders may be available for additional coverage |
| Detached structures | May be covered under "other structures" section of insurance policy, but specific mention of screen enclosures should be confirmed |
| Coverage limits | Insurance policies typically have limits on coverage amounts for detached structures, which may be a percentage of total dwelling coverage |
| Exclusions and limitations | May not cover damage from normal wear and tear, neglect, floods, earthquakes, or natural disasters |
| Endorsements | Some policies include endorsements for carports, pool cages, and screen enclosures, but these may have exceptions and require separate policy limits |
| Policy limits | Maximum benefit provided by the insurance company in the event of an insured event |
| Deductibles | Even if covered, screen enclosures may be subject to a deductible |
| Screening material | Insurance may only cover the framing and not the screening material |
| Maintenance | Regular maintenance is important to meet original wind-resistance rating; failure to maintain may result in coverage exclusions |
| Hurricane coverage | Some carriers include hurricane coverage for screened enclosures, while others exclude it or offer it as an add-on |
What You'll Learn
Does homeowner's insurance cover screen enclosures?
Whether your homeowners' insurance covers your screen enclosure depends on your insurance policy, insurance company, and specific circumstances. Homeowner insurance policies are designed to protect the main structure of the house and other permanent structures on the property. However, coverage for detached structures, such as screen enclosures, may vary.
Some homeowner insurance policies include coverage for detached structures as part of the dwelling coverage. This means that if your screen enclosure is attached to the main structure of your house, it may be covered under the same policy that insures your home. In such cases, the screen enclosure would be covered for perils listed in the policy, such as fire, windstorm, or vandalism.
On the other hand, detached structures like screen enclosures may have separate coverage under the "other structures" section of your homeowner insurance policy. This section typically covers structures on your property that are not attached to your main dwelling, such as sheds, fences, and detached garages. It is important to review your policy and confirm whether screen enclosures are specifically mentioned as covered structures.
Even if your screen enclosure is covered, there may be coverage limits. Insurance policies typically have limits on the amount they will pay for detached structures, which may be a percentage of the total dwelling coverage. If the cost of rebuilding or repairing your screen enclosure exceeds this limit, you may need to consider additional coverage options.
Additionally, it is important to understand that not all risks are covered by homeowner insurance policies. Some common exclusions and limitations that may apply to screen enclosures include:
- Normal wear and tear: Homeowner insurance policies typically do not cover damage caused by normal wear and tear or deterioration over time.
- Neglect and lack of maintenance: Failing to properly maintain your screen enclosure or address pre-existing issues may result in coverage exclusions.
- Flood and earthquake coverage: Standard homeowner insurance policies often exclude coverage for damage caused by floods and earthquakes. Separate flood or earthquake insurance coverage may be needed.
- Natural disasters: Some policies may exclude coverage for damage caused by natural disasters, such as hurricanes or tornadoes. If you live in an area prone to such events, check if you have additional coverage or consider purchasing a separate policy.
To ensure adequate coverage for your screen enclosure, it is important to carefully review your homeowner insurance policy, including endorsements, riders, declarations, and exclusions. Contact your insurance provider if you have any questions or concerns about the coverage.
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What is the average cost of a pool screen enclosure?
The cost of a pool screen enclosure varies depending on several factors, including size, height, material, and labour costs.
Average Cost
On average, a pool screen enclosure costs between $4,000 and $14,000, with the national average in the US being $10,675.
Cost Factors
Size and Height
The cost of a pool enclosure depends on the size of the pool and the desired height of the enclosure. The larger the enclosure, the higher the overall cost, although the cost per square foot decreases. Pool enclosures can be low, medium, or high. Low enclosures are typically 1-2 feet above the pool surface and cost $24-$75 per square foot. Medium enclosures are usually 2-3 feet above the pool and cost $8-$100 per square foot. High enclosures can be one or two stories tall and cost $15-$200 per square foot.
Material
The type of material used for the enclosure also affects the cost. Screen enclosures are the most affordable option, ranging from $8-$15 per square foot. Polycarbonate enclosures are more expensive, costing $20-$200 per square foot. Glass enclosures are the priciest, ranging from $30-$75 per square foot.
Labour
Labour costs for installing a pool enclosure vary depending on the material. Installing a screen or polycarbonate enclosure typically costs around $35 per hour, while glass enclosures cost approximately $50 per hour.
Additional Costs
There may be additional costs to consider when installing a pool screen enclosure, such as doors, lighting, HVAC extensions, landscaping, and privacy shades.
Cost Savings
It is possible to save money on a pool screen enclosure by comparing multiple estimates, considering the season (rates may be cheaper during spring and summer), looking for discounts, and opting for a simpler design.
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What factors influence the cost of a pool screen enclosure?
The cost of a pool screen enclosure can vary depending on several factors, and prices can range from $4,000 to $50,000. Here are the key factors that influence the cost:
Size and Height
The size and height of the enclosure are significant determinants of the overall cost. The larger the pool area to be enclosed, the higher the price. The height of the enclosure also affects the cost, with low, medium, and high-height options available. Low enclosures are typically one to two feet above the pool surface, medium enclosures range from two to three feet, and high enclosures can be as tall as full ceiling height.
Shape and Design
The shape and design of the enclosure can impact the cost, with custom designs and more complex shapes tending to be more expensive. The enclosure's shape depends on the pool shape, and the most common shapes are rectangular and hexagonal. Two-story enclosures, for example, are more costly due to their sophisticated design and increased material requirements.
Materials
The choice of materials is a crucial factor in determining the cost of a pool screen enclosure. Common materials include screen, polycarbonate, and glass. Screen enclosures are the most affordable option, typically costing around $8 to $15 per square foot. Polycarbonate enclosures offer protection from the elements and UV rays and cost around $20 to $200 per square foot. Glass enclosures are the most expensive, ranging from $30 to $75 per square foot, as they provide enhanced security and energy efficiency.
Labor
Labor costs can vary depending on the type of enclosure and the experience of the contractor. On average, labor rates for screen and polycarbonate enclosures are around $35 per hour, while glass enclosures may cost slightly more at $50 per hour. It is recommended to hire a licensed, bonded, and insured contractor to ensure quality craftsmanship and compliance with local regulations.
Location and Permits
The geographic location of the property can impact the cost of a pool screen enclosure. Additionally, permits and inspection fees are necessary to ensure the structure is built according to local regulations and can add to the overall cost.
Additional Features
The inclusion of additional features, such as doors, lighting, and custom roofing, can increase the cost of a pool screen enclosure. Doors can range from $50 to $500, depending on the type and material. Lighting can add $800 to $2,500 to the overall cost, and custom roofing options will also impact the final price.
Extreme Weather Conditions
For properties in areas with extreme weather conditions, such as high winds, heavy snow, or hurricanes, a more heavy-duty enclosure may be required. This could include using stronger materials or increasing the size of the enclosure, resulting in a higher overall cost.
Type of Enclosure
The type of enclosure, whether freestanding or attached, can also impact the cost. Freestanding enclosures are typically more expensive to install, while attached enclosures use one wall of the house and have a wider range of prices. Portable enclosures are also an option and tend to be more affordable, but they may not last as long and may need to be used with a fence for safety.
Customization
Custom-built enclosures offer a high degree of customization to match the architecture of the property but come at a higher cost. On the other hand, pool enclosure kits are available for those who want to DIY or opt for a more affordable option, with prices ranging from $600 to $15,000.
In summary, the cost of a pool screen enclosure is influenced by various factors, including size, height, shape, materials, labor, location, permits, additional features, extreme weather considerations, type of enclosure, and customization options.
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What are the benefits of a pool screen enclosure?
Pool screen enclosures are a popular addition to homes with pools, especially in Florida. They are a structure that encloses a pool, typically made from aluminium and screen or glass. There are many benefits to installing a pool screen enclosure, including:
Sunlight Protection
The screens on the enclosure let plenty of sunlight in while preventing direct sun exposure. This is not only healthier but also more comfortable, as it reduces the threat of UV skin damage. It also keeps the pool water cooler, which is a big advantage during hot days.
Pest Control
One of the top benefits of a pool screen enclosure is that it keeps bugs and other pests out. This includes mosquitoes, bees, wasps, flies, spiders, snakes, and mice. This enhances your swimming and outdoor living space experience, as you can relax by the pool without having to worry about pest control.
Debris Control
Pool screen enclosures also keep out debris such as leaves, flowers, grass clippings, and dirt. This makes cleaning your pool easier and less frequent, as well as reducing the number of chemicals needed to keep your pool clean.
Security
A pool screen enclosure provides security from unwanted visitors, such as snakes, birds, frogs, and alligators. It also acts as a barrier to keep wandering individuals out, reducing accidents.
Enhanced Outdoor Experience
A pool enclosure can make your outdoor space more enjoyable by creating a comfortable and relaxing atmosphere. It allows you to keep the windows and doors open, creating an indoor/outdoor living space. It also enhances the appeal of sitting outdoors at any time of day, as you can enjoy the beauty and satisfaction of being outside without having to worry about bugs or leaves.
Increased Home Value
Building a pool enclosure is an investment that can add value to your home. It increases the overall space of your home and enhances the visual appeal of your property.
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What are the different types of pool screen enclosures?
Whether or not a screen enclosure is insured depends on your insurance policy. Some policies include coverage for screen enclosures under dwelling or other structures sections, while others may require additional coverage options. It's important to carefully review your insurance policy and understand any exclusions or limitations.
Now, let's discuss the different types of pool screen enclosures:
Gable Roof Enclosures
Gable roofs, also known as A-frame roofs, feature two sloping sides that create a triangle. They are a popular choice among Florida homeowners as they typically match the roof design of most houses in the state. Gable roof enclosures can be freestanding or attached to an open patio with a similar roof style.
Dome Roof Enclosures
Dome roof enclosures offer a sense of open space and enhance the curb appeal of your home with their attractive architectural design and gentle slope. Additionally, their shape makes them well-suited to resist strong winds during storms.
Mansard Roof Enclosures
Mansard roofs are one of the most popular choices for pool enclosures. They feature a unique design with a flat, level midsection and sloping sides. This design creates a spacious and airy atmosphere. Mansard roof enclosures also provide excellent protection from inclement weather and debris, making them suitable for various climates.
Hip Roof Enclosures
Hip roofs are similar to mansard roofs but lack a mid-section. Instead, all sides slope up and meet at the top. This roof design provides optimal wind resistance during heavy storms.
Two-Story Screen Enclosures
While less common, two-story screen enclosures are ideal for two-story homes and townhouses. They provide a spacious outdoor living area and can enclose a top-floor balcony.
Shed Roof Enclosures
Shed enclosures, also known as sloped roofs, extend from the existing roof of your home. They are a practical option for those looking to create a cohesive design between their home and pool area.
Standard Screen Rooms
Standard screen rooms are freestanding structures in the essential shape of a house. They provide a simple and cost-effective solution for enclosing your pool area.
When choosing a pool screen enclosure, consider factors such as the size and shape of your space, the view you want to accentuate, the quality of framing materials, and the required maintenance. Additionally, don't forget to review your insurance policy to understand if and how your pool screen enclosure would be covered.
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Frequently asked questions
It depends on your insurance policy. Some policies cover screen enclosures as part of dwelling coverage, but others require separate coverage for "other structures". Read your policy carefully and contact your insurance provider for clarification if needed.
The insurance company, the area you live in, and the type of screen enclosure you have will all play a role in determining coverage. Most insurance carriers will limit coverage for pool cages or screened porches with roofs made of screens. If your screen enclosure has a roof that is similar to that of your house, it is more likely to be considered part of your home and covered under your existing policy.
Common exclusions and limitations include damage from normal wear and tear, neglect, and lack of maintenance. Standard policies often exclude coverage for damage caused by floods and earthquakes, and some policies may exclude coverage for natural disasters like hurricanes or tornadoes. Additionally, coverage may only apply to the enclosure's frame and not the screen material.
Review your insurance policy carefully, paying attention to sections related to detached structures, coverage limits, exclusions, endorsements, and riders. Consult your insurance provider to clarify any uncertainties and consider adding specific endorsements or riders to increase coverage if necessary. Evaluate the replacement cost of your screen enclosure to ensure your coverage is sufficient.
