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Answered 2012-11-05 22:13:19

If the pool is an insured structure on your home insurance policy then it would be covered in the event of damage by a specified peril.

Maintenance and repair of pool equipment and supplies would not be covered.

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Will homeowners insurance cover pool plaster repairs?

wear and tear, deterioration is not covered

Could I put in a claim to my homeowners insurance company if my above ground pool collapsed?

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.

Does homeowners ins cover a rip in liner of an inground pool?

Your homeowners insurance policy may or may not cover a ripped pool liner. It all depends on the policy form you choose when you purchase the homeowners insurance policy, the policy language and any endorsements. You should check with your agent or insurance company to determine whether it is a covered peril or not.

Will homeowners insurance pay for damage to an above ground swimming pool?

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.

Is swimming pool vandalism caused by someone sliting it with a knife covered by insurance?

The damaged pool should be covered by home owners insurance if you had the pool added to the insurance for coverage

Who pays for the ambulance when a child almost drowns in the pool?

Question your homeowners insurance. If it was the neighbor's pool, perhaps their liability/homeowners insurance will pick up the cost. In any case, you have to have the ambulance at any price.

If a swimming pool was unknowingly installed on top of buried tree stumps and a sink hole was created causing the pool to crack and cave would this be covered by homeowners insurance?

You'll need to read the policy to see if it's covered. You can get coverage for anything but it usually needs to be spelled out specifically in the terms of the policy. Anything not specifically covered is usually NOT covered.

Are above ground pools covered by homeowners insurance from hurricane damage?

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.

Does homeowner insurance cover damage to pool?

It really just depends on your insurance policy and the nature of the damage. Check you homeowners insurance policy declarations page for the term "Other Structures" or "Additional Structures". A pool is usually considered an additional structure. If the damage was caused by a covered peril under your policy you may have coverage for repairs.

If a branch hits your pool is it covered under homeowners?

It depends on the scope of coverage you purchased. Talk to your insurance agent if you have questions about your coverage. Your agent would the person in the best position to advise you of coverage.

Will your pool be covered under homeowners if it was done by wind damage?

Yes. As long as the damage was done by a "covered cause" coverage will be afforded and the damage will be fixed. Windstorm is a basic covered cause.

Will homeowners insurance cover damage to an inground swimming pool caused when a windstorm lifted the pool cover and debris ripped the liner?

If the policy specifically covers the pool, yes. If there is no specific mention of the pool in any of the insurance coverage papers, no. I don't think that there needs to be specific mention of the pool in the policy. The wind damgae should be covered subject to the deductible. Be aware though that even minor claims can cause your insurance premium to go up so get good advice before proceeding with the claim.

Does insurance pay for above ground pools when they are damaged as a result of frost in the ground going too deep because of lack of snow thus shifting the pool walls and liner?

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.

Does homeowners insurance cover damage to an in ground swimming pool caused by water pressure to the exterior walls of the pool?

No. This sounds like a manufacturer or maintenance issue. Something is wrong with the pool itself or with the way it was installed as the earth behind pool walls has washed away making it loose support and fail. For a homeowners policy to pay for damages the damage must be the fault of a covered cause. I can't see how the damage you are describing could be from a coverer cause. Homeowners insurance is not made to cover maintenance issues or manufacturer defects. First I would contact whoever installed the pool. If it has been past the warranty period I would check with a professional to see what the cause of the damage is first.

How do you get homeowners insurance to pay for in ground pool structural repair?

They would pay for it only if it has been added to the policy (or if it was part of the home when insured) AND only if the damage was caused by some unforseen circumstance. IT probably would not be covered for a structural failure, an earthquake, etc. But if a bulldozer fell into it , that may be covered.

Does homeowners insurance coverage damage to swimming pool liner from the chemicals added?

You can probably cound on no coverage due to neglect or incompetency.

If my pool has rust damage is it covered?

Doubtful. Most homeowners policies do not cover rust, mold, deterioration etc. over a period of time.

Do you need insurance coverage on above ground pool?

The pool would be covered under Coverage B "other structures" of your policy. Any structure not attached to your home is covered under Coverage B.

Pool Equipment?

form_title= Pool Equipment form_header= Splash around the pool when you have the right equipment! What equipment do you need?*= _ [100] Do you have a salt water pool?*= () Yes () No How old is your pool?*= _ [50]

Will allstate home owner insurance cover a rip in pool liner?

No. It did not happen due to a covered cause.

Will homeowners insurance cover damage to an in- ground swimming pool caused by excess ground water?

Truly depends on your insurer and what plan you have. But it should.

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