Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 14, 2018

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Insurance Question from Venice, FL

Asked on 08/14/2018

Is a newly constructed Screen enclosure Structure covered if I don't actually add it to my existing homeowners policy? I recently added a screened lanai/enclosure (cost $9,000.00) to my house which was built in 1964. Is the screened enclosure covered if I don't specifically add it to the homeowners policy I have. My current "Dwelling Liability Limit" is $218,000.00, I paid $74,500 for the house in 1998.

Answer given on August 27, 2018

If you added an enclosure to your home, it will increase the replacement cost of your home. This is presuming that the enclosure is attached to the home.  If it is a separate structure, it would be covered under the additional structures coverage of the homeowner policy. This amount is usually 10% of the dwelling limit, so in your case it will be $21,800.  However, if it is a part of the home, you need to review your insurance coverage to be certain you have enough insurance on the home, including this addition.

In recent fires and other catastrophes throughout the nation people have learned that they were seriously underinsured.  While I do not know the current size of your home, you should discuss the insurance amount with your insurance agent or insurance company. You may also want to talk to a contractor as to their estimate of construction costs in your area.  It is not in your best interests to “low ball” your insurance in an attempt to save money. If you have a total loss of your home, you will come out on the short end.


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