A pool enclosure is a major investment that improves safety, comfort, and usability—especially for Florida homeowners. Naturally, many homeowners ask the same important question: Are pool enclosures covered by insurance?
At Lafferty Aluminum & Screening, we help homeowners understand how pool enclosures fit into their overall home investment and what factors may affect insurance coverage.
Note: Coverage details vary by policy and provider. Always confirm specifics with your insurance agent.
Often, yes. Pool enclosures are commonly covered by homeowners insurance, either under dwelling coverage or other structures coverage, depending on how the enclosure is built and attached.
Most coverage for pool enclosures comes from your standard homeowners insurance policy. However, coverage limits and classifications vary between providers.
Insurance coverage usually applies only to specific perils, such as:
Damage from normal wear and tear or lack of maintenance is typically not covered.
Each category may have different coverage limits.
Some policies include a separate allowance for structures like:
Review your policy to understand how much coverage is allocated to these structures.
Insurance providers may evaluate:
Professionally installed aluminum pool enclosures are often viewed more favorably.
If your pool enclosure includes custom features or higher-value materials, additional endorsements may be available to extend coverage.
Insurance typically does not cover:
Regular maintenance helps preserve both the structure and insurability of your enclosure.
These steps help reduce surprises in the event of a claim.
A professionally built pool enclosure using high-quality aluminum materials improves durability, safety, and long-term value. Proper installation can also support smoother insurance evaluations.
At Lafferty Aluminum & Screening, we specialize in custom aluminum pool enclosures designed for Florida’s climate and building standards.
See what homeowners are saying by visiting our Google Business Profile.
Often yes, depending on how the enclosure is classified in your policy.
Storm or wind damage is commonly covered if listed as a covered peril.
Typically no, unless the damage was caused by a covered event.
They may slightly affect premiums, but they can also reduce liability risks.
Yes. Informing your insurer ensures accurate coverage and documentation.
A pool enclosure enhances your home—but understanding insurance considerations is just as important as choosing the right materials and installer.
Contact Lafferty Aluminum & Screening today if you have questions about pool enclosure construction, materials, or upgrades. We’re here to help you build with confidence.
We're excited to learn more about your needs and provide you with a personalized quote. Please fill out the form, and our team will get back to you with a detailed estimate to kickstart your project.
