Summertime in Florida is the season of backyard barbecues and pool parties, but do you know if you’re covered if an accident occurs at your pool?
The liability portion of your homeowners policy provides coverage for the medical expenses and legal fees associated with any injuries your guests sustain in or around your in-ground swimming pool. However, if you chose to install a diving board or slide, your homeowners policy may no longer provide coverage. It’s important to check with your homeowners carrier before making any new additions to your swimming pool to ensure that with the new additions you’re still protected in the event of a loss.
The most common cause of damage to in-ground swimming pools is ground movement, which can cause cracks to the pool’s foundation or pipes. Unfortunately, most homeowners policies will not cover damage that results from ground movement. However, if your pool sustains damage as a result of a “covered peril” (these are listed in your policy), such as a fallen tree, then your policy will help cover the cost of repairs to your pool and deck.
There are several safety precautions you can take to help minimize the risk of pool related injuries. Installing a fence, adding a pool cover and placing alarms on all doors leading to the pool are all great ways to help prevent any unwanted visitors from sneaking into the pool and sustaining injury. You can also teach your children pool safety and make sure that there’s always an adult on deck when kids are in the pool.
If you have questions about your homeowners policy or want to make changes to your limits, one of Webb’s Advisors would be happy to help. Contact us here.