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If an above ground pool collapses does homeowners insurance cover it?

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βˆ™ 2014-07-12 13:26:05

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Above ground pools should be considered "Other Structures" under Coverage B of the homeowners policy. They don't have to be attached permanently--look up the definition of "structures" in the dictionary. But some insurers insist they're personal property, so check with your company. The following provision is the real problem: "loss to a...swimming pool...is not included..unless the loss is a direct result of the collapse of a building...." If your policy contains that wording (usually found in the Additional Coverages section), you probably won't be covered for many common causes of collapse. Finally, note that homeowners policies are not created equal--they differ from company to company, so be sure to read the fine print. '

2014-07-12 13:26:05
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Could I put in a claim to my homeowners insurance company if my above ground pool collapsed?

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