Is water covered for pool claim?

When needing to refill a pool after an in ground pool suffers damage to the cover, you may wonder if the water needed to refill the pool after repairs is covered.

Look here at Water as an Insured Object to see an article from National Underwriters which states that the pool water removal from the pool for the repair is covered as that is part of the repair.  To refill the pool once repairs are completed is NOT covered since that is providing coverage for water and this is not directly a part of the repair.  The water itself is excluded.

 

AJR Public Adjusters

602-795-5227

Pool Cover Insurance Coverage via Summit Business Systems

Sometimes you may wonder how your pool is handled in your insurance coverage. Here is a question regarding a pool cover coverage for a homeowner. As demonstrated below pool cover is not a structure and is considered for replacement cost coverage, which can be important.

Question:

We write a standard HO-3 on a client with a swimming pool. His policy also includes replacement cost coverage for personal property. Recently the pool and the pool cover suffered damage in a windstorm. We understand that the pool is not subject to replacement cost adjustment, because it is a “structure that is not a building.” However, we believe that the pool cover should be covered for replacement cost under the terms of the personal property replacement cost endorsement.

The adjuster maintains that the pool cover is part of the pool and, therefore, not eligible for replacement cost coverage. We disagree and would like your opinion.

North Dakota Subscriber

Answer:

There are two ways to look at the pool cover. One is as personal property, and the other is as outdoor equipment. In either case, by purchasing the HO 04 90 10 00 the insured got replacement cost coverage on both personal property and outdoor equipment. Granted, the swimming pool itself is not subject to replacement cost in case of a loss, because it is a structure that is not a building. However, the pool cover is not a structure. It can be picked up and moved. Since it qualifies as personal property or as outdoor equipment, the loss should be paid on a replacement cost basis.