Florida is famous for sunshine — and storms. If you own a lanai or pool cage, you’ve probably wondered:
“Does my homeowner’s insurance cover damaged screens after a hurricane or windstorm?”
The answer? It depends — but we’ll break it down simply.
🌪️ What Counts as Screen Damage After a Storm?
After a hurricane or heavy wind, your screens might:
- tear or rip from debris and pressure,
- detach from the frame,
- sag or lose tension,
- collapse completely if the frame weakens.
These are very common issues with lanai screens in places like Naples, Marco Island, Bonita Springs, Fort Myers, and Cape Coral — areas we’ve served for over 30 years.
🛡️ Do Insurance Companies Cover Screen Damage?
In most cases, standard Florida homeowner’s insurance does not cover screen mesh.
Typically, your policy will:
- cover structural damage to your home (walls, roof, etc.),
- sometimes cover the pool cage frame (if listed specifically),
- but exclude the screen material itself unless you have added coverage.
This is especially true for HO-3 policies — the most common type in Florida.
✅ When Might Screens Be Covered?
You may be covered if:
- You added a special endorsement or rider for screen enclosures or external structures.
- The screen damage happened as part of a larger insured event (e.g. tree fall damaging the cage and roof).
- You can prove the screen is part of the covered structure (depends on your insurer).
📞 What We Recommend
Before hurricane season:
- Review your insurance policy carefully.
- Call your agent and ask if your pool cage and screen are protected.
- If you need help assessing the condition of your lanai — we offer free on-site estimates.
🔧 Pro Tip from Best Rescreen Company
We’ve worked with hundreds of homeowners after storms — and most didn’t realize their screens weren’t covered.
Don’t wait until damage hits — protect your lanai now:
- Upgrade to heavy-duty Super Screen,
- Replace weak or aged panels,
- Reinforce fasteners and framing to prevent blowouts.
📲 Call Us for Help
Need advice or a quick screen inspection before storm season?
Call (239) 344‑7774 and let us help you protect your lanai the smart way.
Best Rescreen Company — trusted lanai and pool cage screen repair experts in Naples, Marco Island, Fort Myers, Cape Coral, and Bonita Springs.
