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Homeowner's Insurance

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


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2014-07-12 13:26:05
2014-07-12 13:26:05

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. '

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You can claim an insurance loss for an above-ground pool only if it was covered by the terms of your insurance policy. Check with your insurance agent.

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Depends on HOW the damage occurred. Your above ground pool is normally covered as 'personal property' under your homeowners policy for the listed perils. See Coverage C- Personal Property for the list of covered losses.

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As long as the water entered above the ground surface level.

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Yes. Hurricane damage is a covered cause on a homeowners policy. The above ground pool is covered under the other structures section of the policy which means there is coverage. It will be paid on the ACV or actual cash value basis and not replacement cost. Read your policy to make sure but I am quite sure about this.

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When rock above a cave collapses, a sinkhole is formed.


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