Are Pool Cages Covered By Insurance?

In addition, if you install a slide or diving board to your pool, certain insurers may refuse to cover you. This is because, while these objects may add a fun element to your property, they also raise the chances of people becoming injured while on it.

Make certain to obtain clarification on this as soon as possible. Obviously, you do not want to be in a scenario where a liability claim is made against you and you are found to be uninsured.

The insurance company determines whether or not the pool is covered for physical damage. Some insurers will cover physical damage to your pool under the other structures portion of your home insurance policy, while others may not.

How much does it cost to replace a pool cage?

These issues can be alleviated by installing a pool enclosure. A pool enclosure costs $10,000 on average to install. The final cost of your project will be determined by criteria including size, material, and enclosure style.

Are pool enclosures worth it?

A screened enclosure’s biggest advantage is that it protects you from both dirt (insects, dust, and debris such as falling leaves) and undesirable visitors (snakes, uninvited guests, birds, and, of course, alligators!). This deters bugs, insects, bees, and other small creatures from entering your pool. In addition, if you have an open backyard, screened enclosures might assist keep unwelcome visitors away from your pool area.

Cleaning a pool enclosure, according to the majority of people, is a snap. Because excess debris is kept out of your pool, it will be lot cleaner overall.

The combination of a pool heater and a pool enclosure is ideal for extending your swimming time. Pool heaters encourage you to get in the water even on cold days, but pool enclosures keep you safe from rain and snow. It’s also a good idea to have a hot tub attached so you may soak whenever you want.

Sunshine never runs out in Florida, commonly known as the Sunshine State. Though most of us like sunbathing, it is best to limit your direct sun exposure for the sake of your skin’s health. Swimming will be more enjoyable if you have a screened pool enclosure to protect you from the sun’s harmful UV rays.

Despite the fact that Florida is prone to hurricanes, pool enclosures are built to endure severe gusts of up to 130 miles per hour! As a result, pool enclosures are not easily destroyed.


You won’t have as many landscaping alternatives once you construct a screened pool enclosure. The enclosure might take up a large amount of your yard, obliterating any greenery.

The pool water can get a little cooler in the summer and winter months due to the restricted solar exposure. Pool heaters can be placed if the temperature dips below your comfort level, extending your swimming season.

How are pools covered by homeowners insurance?

Permanently built above-ground pools and most in-ground pools are usually covered by a homeowners policy’s other structures coverage, although portable-style above-ground pools that you might take with you if you move are usually covered by personal property coverage.

Is frozen pool equipment covered by insurance?

Any loss caused by lightning, fire, hail, wind, theft, riot, smoke damage, explosion, or vandalism is covered by the standard homeowner’s insurance policy offered by Paragon Independent Insurance Agency in Plano, TX.

In most circumstances, damage to in-ground pools, like as cracking caused by ground movement or maintenance concerns, will not be covered by a standard homeowner’s insurance policy.

Summers in Texas are frequently dry and hot. As a result of the shifting ground, an increasing number of pools are cracking. Homeowners may face major problems as a result of this. Unfortunately, if a typical homeowner’s insurance is acquired, these types of concerns will not be covered, leaving the homeowner to pay for the necessary repairs out of pocket.

There is a silver lining to everything. If the pool was damaged by frozen pipes, vandalism, theft, or lightning, the majority of house insurance policies will cover the costs. It’s crucial to figure out what caused the damage in order to see if your insurance coverage would cover it.

If a homeowner detects any damage to their home or property, they should call their insurance carrier as soon as possible to register a claim. An adjuster will visit the property to photograph the problem and create a report about it. A homeowner will receive a check if the damage is covered under the provisions of the insurance. If not, they will have to evaluate their policies to see if any adjustments are required to avoid future problems.

Contact the staff of Paragon Independent Insurance Agency in Plano, TX for more information on what is and is not covered by a homeowner’s insurance policy.

Can you claim pool pumps on insurance?

Because insurance policies differ from one company to the next, it’s critical to double-check what’s covered.

Most insurance policies cover goods theft, which includes items like pool cleaners and filters.

Because filters are a passive product, they are rarely covered for any type of damage. If they crack, split, or leak and it is not due to a manufacturing defect, they may not be covered.

Pumps are occasionally protected by fusion, although this only applies if the motor is fused and does not cover seized bearings, old age, corrosion, or any other damage. Equipment damage from fire or storms is frequently fully covered, however fused pumps are depreciated as shown below.

There are a few crucial factors to consider before filing an insurance claim:

Pool equipment depreciates at a rate of 10% each year, making it worthless after ten years. Only the depreciated value, not the full replacement value, may be compensated.

Consider whether it’s worth filing a claim if you have an excess (typically $100 – $300) or a no-claim bonus.

Most residential swimming pool pumps currently cost between $350-$700. Will it be worth claiming after discounting the value for age and subtracting your excess?

How much does it cost to replace a lanai cage?

The number of openings per linear inch ranges from 8/8 to 20/20 in screen mesh sizes. The mesh size affects both the protection against squirrels, birds, and insects entering the pool area and your view outside the cage.

  • The 20/20 gauge (or Super Screen’s 17/20 gauge) is smaller and protects against pine needles, insects, and UV rays.

Pool Screen Brands

  • Super Screen is offered in two mesh sizes: 17/14 and 17/20. It lasts 20+ years and is 300 percent stronger than Phifer’s 18/14.
  • Phifer screen is tightly woven to keep out even the tiniest insects, and the manufacturer offers a 10-year warranty.
  • Scrape and puncture-resistant pet screen that is seven times stronger than regular screens. Near golf courses, this is a good option.
  • BetterVue – Allows you to see everything without being bothered by insects.
  • MD Pool and Patio Screen — wrinkle-free, dent-resistant, and unravel-resistant. It is great for patio, porch, or pool enclosures since it is stronger than regular fiberglass screen.

Pool Rescreening Cost Factors

The following are some other elements that determine the overall cost of rescreening a pool or porch enclosure:

  • Local labor rates might be up to 50% more in cities with a higher cost of living.
  • A free-standing lanai enclosure has one less wall to rescreen than a connected lanai enclosure.
  • Rescreening larger and taller enclosures is more expensive. Scaffolding is required for a two-story enclosure, which costs 30% extra.
  • Split Purlins — A purlin is a roof-framing batten that complicates rescreening because installers can’t place one sheet across the entire roof. Instead, they must spline the tracks in each purlin. The fees are calculated per segment.
  • Beam Width – The broader the beams, the riskier the installation or maintenance job, particularly on the roof.
  • Spline – Spline is a material that secures the screens in place and costs $50 to $150 for an average pool cage. Labor expenses rise if the old spline is difficult to remove or is not easily accessible, necessitating the use of scaffolding.
  • Roof Type — Roofs with gable, mansard, hipped, segmented, or lean-to styles take longer to rescreen and cost 10% to 20% more overall.
  • Fasteners – During a rescreen, the optimum time to replace the fasteners is to save $1,000. The rusted, corroded fasteners cost $2,400 to replace on their own, or $1,400 when replaced as part of a rescreen. Rusty screws can reduce the structural integrity of an enclosure by up to 75%. Use rust- and fade-resistant ceramic or nylon-headed fasteners.

Glass Pool Enclosure Replacement Cost

The cost of replacing a glass panel in a pool enclosure ranges from $6 to $20 per square foot for the glass and $50 to $100 for labor. Depending on the glass type and the size and shape of the enclosure, replacing all of the glass in a pool cage can cost anywhere from $8,000 to $30,000.

A new glass pool enclosure can cost anywhere from $40 to $100 per square foot, including panel framing, glass, and labor.

How long does a pool cage last?

Despite the fact that screens are engineered to survive, they are not supposed to last indefinitely. Time and repeated exposure to the weather will eventually damage and degrade your screens. Repairs can help extend the life of the screens, but if the screens have already exceeded their expected lifespan, replacement may be the better option. The longevity of a pool screen enclosure is determined by the quality of the screen that was initially installed. The average lifespan ranges between 10 and 12 years. If you use a heavy-duty screen in your screened pool enclosure, you can expect it to last almost 20 years. Depending on how old your current pool enclosure is, a complete replacement will save you money on pool screen repairs that will simply postpone the inevitable replacement.

Consider how long you plan to stay in your house before deciding whether to repair individual screens or replace the entire pool enclosure.

If you want to sell your property in the next few years, a simple pool screen repair will most likely suffice to preserve your screens in good working order for the sale of your home. If you have no intention of selling, however, paying for a replacement now may be a better financial investment. You’ll also be able to reap the benefits of your investment.

Algae is a common sight in the humid climate of Florida. However, once algae has taken hold on your pool enclosure screen, it’s difficult to get rid of. This green substance will continue to grow and become an eyesore for you. Algae spores are pervasive and difficult to remove, thus replacing merely the afflicted screens may not cure the problem. In most circumstances, it’s better to start over with a complete replacement and clean the new cage regularly to maintain it clear of algae.

How long do pool enclosures last?

Pool enclosures typically last between five and twenty-five years, depending on the style and quality of the enclosure, as well as the climate and quantity of care.

Can you turn an outdoor pool into an indoor pool?

By adding a retractable pool enclosure, you can convert an outdoor pool into an indoor pool, keeping the sun’s heat in while keeping dirt and pests out.

How big should a pool enclosure be?

The size of your pool enclosure will be determined by the amount of space you’ve set aside for it, the number of people who will be using it, and the speed with which people must be able to enter the pool area. There are three main sizes to choose from:

Low pool enclosures are around one to two feet above the pool’s surface.

Medium pool enclosures allow for plenty of movement in and out of the pool while also preventing views from being obstructed.

How do you maintain a pool enclosure?

Clean your pool enclosure on a regular basis to get the most out of what it has to offer. Keep the following suggestions in mind:

In a spray bottle, use equal parts white vinegar and water to clean your pool enclosure. Scrub the enclosure after spraying it down.

Cleaning your pool enclosure can be made easier and faster with pressure washing. Remember to clear the area of anything you don’t want blasted first. Another option is power washing, which is a low-pressure wet steam that cleans and disinfects.

How much is a pool house?

A pool house costs on average $125,000 to build, with most homeowners spending between $50,000 and $200,000. The cost of the pool house varies depending on its size and design, the facilities you include (such as bathrooms and a kitchen), and its location.

Why do Floridians screen in their pools?

When establishing a backyard pool, many families debate whether or not to install a pool enclosure as a safety barrier. Due to pool safety regulations, screen enclosures are fairly widespread in Florida, and they also provide a fantastic barrier against mosquitoes and bright sunshine.

Our bespoke pool enclosures add to the allure of lounging outside at any time of day. There are no bugs to worry about, no leaves to clean up, just the pleasure of being outside. It also allows you to keep the sliders and windows open, allowing you to enjoy both inside and outdoor living spaces.

Florida, commonly known as the Sunshine State, is blessed with an abundance of sunny days. Though we all adore the sun, it is best to limit your direct sun exposure for the sake of your skin’s health. Our screened pool enclosures block the sun, allowing you and your family to enjoy your pool without the risk of skin harm from UV rays. It also helps to keep the pool water cold. A significant benefit on sweltering Florida days!