Are Pool Screens Covered by Homeowners Insurance?
This site does not know your policy, and won't guess
Homeowners insurance coverage for a pool cage or screen enclosure depends entirely on the specific policy, carrier and endorsement, and on how the damage occurred — wind, a fallen tree limb, or ordinary wear and age are usually treated differently. No Florida statute, carrier policy language or Seminole County-specific data was verified for this site, so this page states none as fact.
What is worth doing regardless of what your policy says: read your own declarations page for a line covering "other structures" or a named screened-enclosure endorsement, and ask your agent directly whether cosmetic screen damage is excluded — many Florida carriers have added cosmetic-damage exclusions in recent years, and a screen tear from ordinary wear reads very differently to an adjuster than storm damage does.
If you are filing a claim, an itemized repair quote — panel count, mesh type per wall, fastener and spline work broken out as its own line — is a better document to hand an adjuster than a lump sum. The same itemizing advice applies to a Neighborhood Improvement Grant application, for the same reason: a specific document survives scrutiny better than a round number.
Not sure which of these is your problem?
Describe what you're seeing — a couple of photos helps — and I can usually tell you over the phone.