Swimming Pool

[blazeey]

What is the name of your state? Michigan

Does my homeowner's insurance cover my above ground swimmig pool if it collapse due to unseen deterioration to the inside wall?

Please e-mail me @ [email protected].

Thank youWhat is the name of your state?

 

[Caveman]

I think You might have to ask your [URL="http://ypcommando.com/images/salesman1.jpg"]insurance guy[/URL]

Don't ya think?

 

[Betty]

We can't tell you - possibly. You will need to read your ins. contract & talk to your ins. agent.

 

[blazeey]

Swimming Pool Failure

I live in Michigan. My swimming pool collapsed due to deterioration on the inside of the pool wall. This was not visible. We had $135.00 worth of water added the day before the wall collapsed and the liner blew out. I do not have a special rider on my homeowners insurance policy but I was wondering if "generally" this would be covered because there is no way we would've known. We do have "replacement" on our homeowners policy. This is an above ground pool. You can now see ithe spot where the wall had rusted on the inside only but was not visible outside. I did not want to contact my agent if this is a claim that would not be covered.

Please e-mail me @ [email protected][/email]. I realize this would be speculation if since you do not have the homeowner's policy but any advice would be greatly appreciated.

Thank you

 

[Country Living]

Some things to consider

Your insurance adjuster could say the damage was due to a lot of things.
1. Manufacturer's defect.
2. Improper maintenance.
3. Normal wear and tear.

Other items of interest:
1. The policy deductible applies.
2. You'd have a claim that would count against you. Too many claims, especially those that could have been avoided, move you towards policy cancellation. The new company will look at your previous claim records and hit you with higher rates or refuse you insurance. You'll have to decide if running this through your insurance company is really worth it.

On an entirely different note - of course your insurance company knows you have a swimming pool and you have at least $1,000,000 liability coverage on your homeowner's policy. I hope you've read all the posts regarding swimming pools that have been made in the last few weeks in order to understand the importance of that statement.

 

[Betty]

I'm sorry but I still don't think we can tell you if your homeowner's ins. will cover this damage or not & I wouldn't want to speculate. If you can't figure it out from your policy, I do suggest you contact your agt. There is a possibly that if the full amt. of money required to fix the damage isn't payable that part payment might be made (such as up to a certain % of your "residence" coverage which could even end up covering all of the damage). That is how some policies are worded. However, some policies require an "endorsement" & extra prem. to cover such damages.
You said you have "replacement" on your homeowner policy. Usually there are exclusions to what your policy will replace.
Edited to add: Country living was typing their post at the same time I was typing mine but got theirs submitted first. They gave some good suggestions for you to consider re submitting a claim & the responsibilities that go along with owning a pool. I don't know the cost damage to your pool & if it's worth submitting a claim. I was just telling you they may or may not cover the damage - I don't know. I know there are policy endorsements you can buy for such things as swimming pools that will pay no matter what the cause of damage unless it (cause) was specifically excluded. (very few exclusions on some endorsements, such as things like acts of war) Of course, you have to pay extra for this coverage as I indicated previously. You get what you pay for more or less.

 

[Caveman]

Dude, you are gonna have to contact your [URL="http://images.usatoday.com/life/gallery/mascots/03-11-gecko.jpg"]Insurance agent.[/URL]