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. '
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.
yes it does.
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.
As long as the water entered above the ground surface level.
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.
When rock above a cave collapses, a sinkhole is formed.
Typically your above ground pool is covered as 'personal property' under your homeowners policy. Personal property is limited to coverage for a specifically listed number of 'perils' in your policy. I dont believe you will find a listed peril that this loss description would fall under. I CAN TELL YOU FROM PERSONAL EXPERIENCE AN ABOVE THE GROUND POOL WOULD NOT BE COVERED BY FROST OR MOVEMENT OF THE WATER OR ICE. THE ONLY TWO WAYS THAT AN ABOVE THE GROUND POOL WOULD BE COVERED BY A HOMEOWNERS INSURANCE POLICY ARE AS FOLLOW: 1. A RIDER WAS PURCHASED JUST FOR THE POOL AT AN ADDITIONAL COST, PRIOR TO THE LOSS. 2. DAMAGE DUE TO VANDALISM.
A fence around the pool
An above-ground pool can be a great choice for many homeowners and their families. When installing a raised deck for an above-ground pool, there are several important things to remember. It's essential to make sure that a raised deck can be connected to the lip of an above-ground pool. In some cases, an above-ground pool may be a separate structure from a deck. This can be a serious tripping hazard for people entering a pool.
It depends on each individual insurance - always read the small print!
Homeowners policies are not all the same; you can include an above ground swimming pool in such a policy, but the policy will have to state that this coverage is included. Normally, a home owners policy only covers things that are inside the home, not things that are in the back yard. Read your policy, it will tell you what is covered. Or if you don't have a policy, you can get any kind of insurance you like - but everything you insure will add to the cost of your monthly premium.
Caves are underground. They are big long holes underground. Sometimes, for some unknown reason, the roof of the cave can no longer support the weight of the ground above it and the ground collapses down into the cave. The land sinks. It fills the hole. Where there was a cave, there is now solid ground. Where there was land, there is now a big hole. So, you have a sinkhole when the roof of a cave collapses.