Our screen room and pool area is 99% complete. Called our insurance today to have it added to our policy--as it wasn't there before--and with Frances careening towards my house--wanted to be sure. B/c once those watches or warnings go up--everything freezes. Well it was added "for free"--and covered up to 10% of my house value. YEAH!!!! I'm sorry--I thought it was going to up our rates--and since it is finished by not signed off with the building inspector.