In sunny Florida, having a screen enclosure for your pool or patio can almost be considered a necessity. These enclosures extend your living space, offering a comfortable outside area free from pests, debris, and allowing you to enjoy the outdoors on your terms. However, while screen enclosures offer many benefits, it’s important to recognize the investment they represent. Replacing or repairing a damaged screen enclosure can be costly, which is why insuring this valuable addition to your home is crucial.
The High Cost of Screen Enclosures
Depending on the size and materials used, a new, up-to-code screen enclosure can range anywhere from $10,000 to $30,000 – or more! Add-ons like privacy screens; motorized retractable screens; specialized lighting; or custom designs can further increase the cost. Given this substantial investment, protecting it with appropriate insurance coverage is a smart move for any homeowner.
Why Insure Your Screen Enclosure?
Insuring your screen enclosure protects you from the high costs associated with unexpected damage. Whether it’s severe weather, accidents, or vandalism, having the right coverage ensures you’re not left with a hefty repair bill.
- Protection Against the Elements: Florida's weather can be unpredictable. Hurricanes, strong winds, and heavy rains pose significant risks to screen enclosures. Even the sturdiest screen may sustain damage during a severe storm, leading to costly repairs or replacements.
- Coverage for Unexpected Events: Even with regular maintenance, unexpected events like falling tree branches during a storm can damage your screen enclosure. Insurance ensures you're not left footing the bill for these unforeseen expenses.
- Peace of Mind: Knowing your screen enclosure is protected allows you to enjoy your outdoor space without worry. Insurance provides peace of mind, so you can focus on relaxation rather than potential damage.
Florida Peninsula’s Got You Covered
At Florida Peninsula Insurance Company, we understand the importance of safeguarding your investments. Our standard homeowners policies automatically include screen enclosure coverage for up to $10,000 in damages. This coverage can be a lifesaver when faced with unexpected damage.
For homeowners with more extensive or customized screen enclosures, we offer the option to increase your coverage limit up to $50,000. This flexibility allows you to tailor your insurance policy to fit your specific needs, ensuring comprehensive protection for your valuable outdoor space.
Why Screen Enclosure Insurance Is Worth It
Consider the following scenarios where screen enclosure insurance can save you thousands:
- Hurricane Damage*: A category 3 hurricane hits your area, causing severe damage to your screen enclosure. The cost to repair the frame and replace the screens amounts to $12,000. With Florida Peninsula's already included coverage (for $10,000 in damages), you would only be responsible for a portion of this expense, significantly reducing your out-of-pocket costs.
- Accidental Damage*: A large tree branch falls during a storm, tearing through your pool screen. Repairing the damage costs $7,500. Without insurance, this expense would come directly from your pocket. With our standard coverage, you're protected.
- Carport & Awning Protection*: Your awnings and aluminum-framed carport, like your screen enclosure, are valuable extensions of your home offering protection and comfort. If they are damaged by severe weather, repair or replacement costs can be significant. With our insurance, carports and awnings are included with the screen enclosure coverage, ensuring you are protected against unexpected expenses.
- Each scenario above requires the designated storm or all peril deductibles be met, prior the coverage being applied.
How to Tell If Your Coverage Is Enough
Reviewing and understanding your insurance policy is crucial to ensuring your screen enclosure is adequately covered. Follow these steps to assess your needs, consult with your agent, and adjust your coverage limits for comprehensive protection.
- Review Your Policy: Start by reviewing your current homeowners insurance policy to see if screen enclosures are included. With Florida Peninsula, this coverage is a standard inclusion, but it’s always good to verify.
- Assess Your Needs: Evaluate the size and value of your screen enclosure. If it’s larger or more customized than average, consider increasing your coverage limit. Our policies allow adjustments up to $50,000, providing tailored protection. Adjustments to this coverage can be made at policy inception or renewal.
- Consult Your Agent: Your Florida Peninsula insurance agent is a valuable resource. They can help you understand your coverage, recommend adjustments, and ensure your policy fits your needs. Don’t hesitate to reach out for personalized advice.
- Get a Quote: If you’re not currently insured by Florida Peninsula, getting a quote is quick and easy. Visit our website or contact an agent to find the best coverage options for your screen enclosure and other home insurance needs.
Get the Most Out of Your Outdoor Space by Protecting Your Screen Enclosure
Protecting your screen enclosure with appropriate insurance coverage is a wise decision. With a homeowners policy from Florida Peninsula Insurance Company, you automatically receive up to $10,000 in coverage for screen enclosures, with the option to increase this limit up to $50,000. This comprehensive protection ensures your valuable investment is safeguarded against the unpredictable nature of Florida’s weather.
Contact your insurance agent today to make sure your policy includes coverage for your screen enclosure. If you’re not already insured by us, you can quickly and easily get a quote online. Enjoy peace of mind knowing your outdoor space is protected, allowing you to fully appreciate your enhanced living area
