Pre-Loss
Pool Cage and Screen Enclosure Coverage in Florida
The sublimit on Coverage B that trips up many Florida homeowners when a tree falls or a hurricane hits.
The sublimit on Coverage B that trips up many Florida homeowners when a tree falls or a hurricane hits.
Pre-loss
Why this matters before you have a claim
Pool cages and screen enclosures are usually under Coverage B (Other Structures, typically 10% of Coverage A). Large pool cages routinely cost more to replace than the sublimit. Verify your specific coverage before a claim.
What to do
The basics
- 01
Step 1
Check Coverage B limit on your dec page
- 02
Step 2
Get a current replacement cost estimate for your enclosure
- 03
Step 3
If enclosure value exceeds Coverage B, endorse for additional coverage
- 04
Step 4
Photograph enclosure annually
- 05
Step 5
Retain construction permits for defensibility
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the traps
Common mistakes
- XAssuming Coverage A covers the enclosure
- XAccepting the first carrier classification (sometimes mislabeled as landscaping)
- XNot having permits when disputing Coverage B vs A
When to seek professional help
If this topic intersects with an open claim or if you have questions that go beyond prep, a licensed Florida public adjuster can review your policy at no cost.
No obligation. No fee unless recovery.
Annual policy review? Open claim? Free consultation.
Licensed Florida public adjuster.
Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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