Can I claim swimming pool damage?

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PostPosted: Fri Jan 20, 2012 4:33 pm   Post subject: Can I claim swimming pool damage?  

The swimming pool in my back yard developed a large crack on its side after my neighbors started doing some drilling work over at their property. I called my insurance company to file a claim as I thought my pool was covered under our homeowner’s policy. They told me it isn’t and that I’d need to purchase a special rider to cover the pool. Can I claim it against my neighbors insurance company? How do I prove that it was the construction work in my neighbor’s yard that damaged my pool?


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Bobbykidd
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PostPosted: Thu Jan 26, 2012 5:15 pm   Post subject:   

Yes, you can file the claim against your neighbor’s insurance company. There is a chance they might deny the claim citing the absence of direct damage and evidence to show that it was the construction work which damaged the pool. In such a case, it is consequential damage. You would need a construction or building expert to certify that the damage was caused by the drilling on your neighbor’s property. You might want to consult an independent adjuster as well.

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PostPosted: Tue Sep 11, 2012 4:13 am   Post subject: My pool is leaking  

Hi i have an inground pool is been leaking for a wild now and yets are not working anymore i file a claim to my insurance company will they pay for the damage or no?by the way the pool is covered by my insurance company Upc state Fl.Thank You.[right]


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maritza
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PostPosted: Thu Jul 18, 2013 3:20 pm   Post subject: pool  

My neighbors pool fell on my above ground pool. It is only 2 years old. It is totally not fixable the pool guys said it needs to be replaced. Will my neighbors home owners insurance pay for it if I file a claim?


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anonymous9565
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PostPosted: Sat Jul 20, 2013 4:33 pm   Post subject:   

Quote:
My neighbors pool fell on my above ground pool
Makes no sense.


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PostPosted: Tue Jan 27, 2015 12:03 pm   Post subject: Pool damage due to weather  

Our pool cover and vinyl liner are ruined due to the snowstorm 2015 in MA. Will our homeowners insurance cover?


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PostPosted: Tue Jan 27, 2015 12:36 pm   Post subject:   

Quote:
Will our homeowners insurance cover?


How much is your deductible? To the extent that your loss exceeds the deductible, you can make a claim for that amount.



Example 1:

Cost of pool cover + liner = $550,00

Deductible = $500.00

Claim payable by Insurance Company = $50.00



Example 2:

Cost of pool cover + liner = $750,00

Deductible = $1,000.00

Claim payable by Insurance Company = $0.00


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PostPosted: Thu Jan 29, 2015 12:31 am   Post subject:   

Quote:
The swimming pool in my back yard developed a large crack on its side after my neighbors started doing some drilling work over at their property. I called my insurance company to file a claim as I thought my pool was covered under our homeowner’s policy. They told me it isn’t and that I’d need to purchase a special rider to cover the pool. Can I claim it against my neighbors insurance company? How do I prove that it was the construction work in my neighbor’s yard that damaged my pool?


As for going after your neighbors I would recommend speaking with an attorney in the state you live in as that is more of a liability issue.

As for your own insurance, I would take a close look at your policy as most would have some coverage for pools. If you are not familiar with reading policies I would recommend that you consult with a local public adjuster, attorney or even your agent to see if they could review your policy and show you why the pool would not be covered.

We recently assisted a policyholder with a claim due to tree roots lifting his pool deck several inches and in his policy the pool was actually covered under his Dwelling coverage.


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PostPosted: Thu Jan 29, 2015 3:04 am   Post subject:   

Considering that the original post is now three years old, this matter was either resolved or not. The OP is unlikely to ever return here.



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PostPosted: Mon Jun 01, 2015 5:56 pm   Post subject: Rental insurance  

My gazaboo fell into my pool at the house i lease i tear the liner a storm with high winds blow the gazaboo into the pool could i file my I nsurance since the gazaboo was my property and the land lord said it was our responsibility


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PostPosted: Mon Jun 01, 2015 11:37 pm   Post subject:   

you can file a liability claim for causing the damage to someone else's pool. Your policy would issue payment only of you were negligent in some way. Otherwise if would defend you against the other person's claim.



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PostPosted: Wed Jun 03, 2015 11:20 am   Post subject:   

Quote:
My gazaboo
Probably meant "gazebo". Insurance policies don't cover damage done by gazaboos because they are not domesticated animals.


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PostPosted: Tue Jun 09, 2015 1:32 pm   Post subject: inground pool damge  

I have an in ground pool, when going to open it up this spring the linear was ripped causing water to leak out. I need a new linear costing $4,800. After the linear was removed the vermiculite base was damage badly and eroded away badly in some spots, due to the leak. The pool guy gave me a quote of $6,000 to install a new vermiculite base. My home owner policy covers "other structures" my deductible is $1,000. My agent said the adjustor probably wouldn't approve the claim, stating the damage probably happened over time and its a maintenance issue. The pool was good last year, we had a horrible winter, and now my pool is costing me over $10,000 to fix. This should be an insurance claim, correct?


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cleveland, oh
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PostPosted: Tue Jun 09, 2015 1:35 pm   Post subject: inground pool damge  

I have an in ground pool, when going to open it up this spring the linear was ripped causing water to leak out. I need a new linear costing $4,800. After the linear was removed the vermiculite base was damage badly and eroded away badly in some spots, due to the leak. The pool guy gave me a quote of $6,000 to install a new vermiculite base. My home owner policy covers "other structures" my deductible is $1,000. My agent said the adjustor probably wouldn't approve the claim, stating the damage probably happened over time and its a maintenance issue. The pool was good last year, we had a horrible winter, and now my pool is costing me over $10,000 to fix. This should be an insurance claim, correct?


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cleveland, oh
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PostPosted: Sun Sep 11, 2016 3:21 am   Post subject: Fill in my pool :(  

Can I file an insurance claim to have my swimming pool filled in with dirt?


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nonanonymous
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