Above ground pool damaged by wind and snow

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Feb 9, 2014

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

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.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption