Inground pool is covered by State Farm Ins. Over the winter we have lost all water and assume our liner has a leak. How can I best approach a claim fo

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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...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Feb 6, 2017

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Insurance Question from Brickton, IL

Asked on 02/06/2017

Inground pool is covered by State Farm Ins. Over the winter we have lost all water and assume our liner has a leak. How can I best approach a claim fo The value of a new liner, installation and water delivered would be about $4000

Answer given on February 06, 2017

Homeowner insurance does cover damages to a swimming pool. However, there must be sudden and accidental damage to the pool for the insurance policy to respond.Sudden and accidental may seem vague, but it sounds like there may have been earth movement of some kind that punctured the liner. Earth movement is not covered by the homeowner insurance policy.Before submitting a claim, which could end up costing you the loss of a claim free discount, ask the repair company if they can determine what caused the damage to the liner. You can talk to your insurance agent, but say you are not presenting a claim. You also need to consider your deductible on the policy. The cost of the water may or may not be covered, so figure the cost of the water when determining just how much you may receive if you file a claim.

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