If your homeowner’s insurance covers damage from hurricanes, fallen trees and fires–it most likely covers your new screen enclosure, right? Not so fast, policies are often unclear on whether pool and patio enclosures are considered a part of your home. This could mean a lapse in coverage when you need it most. No need to worry, we’ve got you covered with three tips to ensure the right coverage for your new pool or patio enclosure.
Crack the Code
In order to understand the current coverage of your homeowner insurance, look at the declarations page. Once you’ve located the policy page, look for the subsection with ‘Endorsements’ or an itemized list of your premium charges. Keep your eyes peeled for “Limited Screened Enclosure and/or Carport”. If you see that listed on your policy, you can breathe a sigh of relief. However, if you skimmed over your policy several times and it still hasn’t appeared, it might be time to ring your insurance provider.
However, not all coverage is created equal. Whether your current policy covers your enclosure, the work doesn’t stop there.
The coverage cost matters, depending on the specifics of your policy you may be over or under-insured for the size and the cost of your enclosure. These premiums can add hundreds to a policy and may not be for everyone. Understanding the coverage allows you to make an informed decision about the likelihood of damage to your enclosure to see if the state of your current coverage is the right decision for your needs.
Keep An Eye Out For
Clever wording–these policies sometimes use language that excludes screen material from the coverage meaning only the frame would be insured by that policy. Make sure to double-check your policy for unclear wording and ask your insurance provider to clear up any confusion.
As a homeowner, protecting your property and ensuring its safety is of utmost importance. From natural disasters to unexpected accidents, having a comprehensive homeowner insurance policy is essential for safeguarding your investment. One area of concern for many homeowners is whether their screen enclosures are covered by their insurance. In this blog post, we will explore the topic of screen enclosures and discuss whether they are typically included in homeowner insurance policies.
Understanding Screen Enclosures
Screen enclosures, also known as screened-in porches or lanais, are popular additions to homes. They provide a versatile space for homeowners to enjoy the outdoors while being protected from insects, debris, and harsh weather conditions. Screen enclosures can be attached to the main structure of the house or constructed as standalone structures in the yard.
These enclosures are typically made of aluminum frames and covered with durable mesh screens. They come in various designs and sizes, accommodating different architectural styles and homeowner preferences. Screen enclosures offer a range of benefits, including increased living space, improved ventilation, and added protection against pests.
Coverage for Screen Enclosures
When it comes to homeowner insurance, the coverage for screen enclosures can vary depending on several factors, including the insurance policy, the insurance company, and the specific circumstances. In general, 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.
Dwelling Coverage
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.
Other Structures Coverage
Alternatively, 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. However, it’s important to review your policy and confirm whether screen enclosures are specifically mentioned as covered structures.
Coverage Limits
Even if your screen enclosure is covered under your homeowner insurance policy, it’s crucial to be aware of any 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.
Exclusions and Limitations
While homeowner insurance policies provide coverage for certain perils, it’s essential to understand that not all risks are covered. Some common exclusions and limitations that may apply to screen enclosures include:
Wear and Tear
Homeowner insurance policies typically do not cover damage caused by normal wear and tear. If your screen enclosure deteriorates over time or requires maintenance or repairs due to aging, it may not be covered.
Neglect and Lack of Maintenance
Neglecting to properly maintain your screen enclosure or failing to address pre-existing issues may result in coverage exclusions. It is important to regularly inspect and maintain your screen enclosure to prevent potential problems.
Flood and Earthquake Coverage
Standard homeowner insurance policies often exclude coverage for damage caused by floods and earthquakes. If your screen enclosure sustains damage due to these events, you may need to consider separate flood or earthquake insurance coverage.
Acts of God
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, it’s important to check if you have additional coverage or consider purchasing a separate policy to protect your screen enclosure.
Reviewing and Adjusting Your Coverage
To ensure adequate coverage for your screen enclosure, it’s crucial to review your homeowner insurance policy carefully and understand the specific terms and conditions. Here are some steps you can take:
1. Read Your Policy:
Familiarize yourself with your insurance policy, paying close attention to sections related to detached structures, coverage limits, exclusions, and any endorsements or riders that may affect your coverage.
2. Consult Your Insurance Provider
If you have any questions or concerns about the coverage for your screen enclosure, contact your insurance provider directly. They can provide detailed information about your policy and help clarify any uncertainties.
3. Consider Endorsements or Riders
Depending on your insurance provider, you may have the option to add specific endorsements or riders to your policy to increase coverage for your screen enclosure. These additional coverage options can help protect you against specific risks or increase your coverage limits.
4. Evaluate Replacement Costs
Determine the cost of rebuilding or repairing your screen enclosure in case of damage. If the estimated cost exceeds your current coverage limits, consider adjusting your coverage accordingly to ensure adequate protection.
The Answer is It Depends on Your Policy
When it comes to homeowner insurance, the coverage for screen enclosures may vary depending on your policy, insurance company, and specific circumstances. While some policies may include coverage for screen enclosures under the dwelling or other structures sections, it’s important to review your policy and understand any exclusions or limitations that may apply.
To ensure adequate coverage for your screen enclosure, consider consulting your insurance provider, reviewing your policy, and adjusting your coverage as needed. By taking these steps, you can have peace of mind knowing that your screen enclosure is protected under your homeowner’s insurance policy.
Want to add a screen enclosure to your home? Give our team of friendly, experienced professionals a call. We’d be glad to service you! See why we’re Jacksonville, Florida’s #1 screen enclosure company. Call today for a free estimate.
