First: keep clear of an unstable enclosure.
If the cage has visibly distorted or loose framing, keep people away and arrange a qualified professional evaluation. Do not climb the enclosure, walk on screen panels, or attempt structural bracing or panel-cutting based on this guide. In an immediate danger, contact emergency services.
A company may need to distinguish simple mesh replacement from framing or structural work. A new screen does not make a bent frame safe. Ask for those scopes to be assessed and priced separately.
Record what happened—safely.
Florida’s Insurance Consumer Advocate recommends promptly reporting property damage to your insurer or agent, documenting damage and repairs with photos or video, and keeping receipts. Follow your insurer’s reporting and emergency-repair instructions.
- Photograph damage from a safe location; include wider views and details you can capture without climbing.
- Save prior photos, the relevant policy documents and any estimate.
- Keep receipts for necessary protective work and other claimed expenses.
- Ask your insurer what documentation it needs before permanent non-emergency repairs.
Do not delay needed safety measures to wait for a website response. This guide has no emergency dispatch service.
Will insurance pay for a pool cage?
It depends on your policy. Florida’s Insurance Consumer Advocate says some insurers limit or exclude screened enclosures and may offer a screened-enclosure endorsement. Definitions and limits vary; some endorsements also include pool cages.
Ask your insurer or agent:
- Is the enclosure covered for this cause of loss?
- Are screen fabric and aluminum framing treated differently?
- Is there a screened-enclosure endorsement, separate limit or exclusion?
- Which deductible applies, and how is the loss valued?
- Are there preferred-vendor or documentation requirements?
This is general information, not a coverage determination, claim service or legal advice. We are not an insurer, public adjuster or contractor, and we cannot promise reimbursement.
Do not confuse repair with storm-proofing.
Ask what was damaged, what will be replaced, what needs professional structural review and who is responsible for any permit. A material upgrade alone is not a promise against future storm failure. Get a written itemized scope and read any warranty exclusions.
Use the contractor checklist before signing. Confirm business identity and avoid pressure to make an immediate large payment without a clear contract.
Questions homeowners ask.
Does hurricane insurance always cover pool screens?
No. Florida’s Insurance Consumer Advocate says some companies limit or exclude screened enclosures and may offer an endorsement. Your policy, covered cause, limits and deductible control.
Can I just rescreen a storm-bent cage?
Not without professional evaluation of the damaged framing. Replacing mesh does not repair an unstable or bent structure.
Sources & scope.
Sources checked November 8, 2026. Published ranges and manufacturer statements are attributed context, not our quotes or guarantees.