Above ground pool damaged by wind and snow
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UPDATED: Feb 9, 2014
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Insurance Question from Dedham, MA
Asked on 02/09/2014
Above ground pool damaged by wind and snow My costly investment of an above ground pool was damaged by a major snow windstorm. I know that i upped my liability insurance regarding pool wen installed. my insurance agency was notified immediatly wen I had pool installed. i would know I ave insurance for structures not just Dwelling. Do you think i am entitled for coverage of pool? thx.
Answer given on February 11, 2014
The homeowner policy does include coverage for damages to other structures on the premises, if damaged by a covered peril. It is unclear if the damage you are describing is due to wind or weight of ice and snow. The homeowner policy covers for damage due to winds, but some policies do not cover for damage due to weight of ice and snow on other structures. You should review your insurance policy to see what the limitations are for this damage. In either event, your homeowner policy deductible will apply to any covered peril.Discuss the loss with your agent to see if they can confirm coverage or not. Also, determine if you will lose any claim free discount that may apply to your policy and see if that is worth the cost of the claim. If the storm is considered a catastrophe, then the discount should not be affected, but each insurance company makes their own determination as to what is a catastrophe.
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