Needless to say, in Massachusetts it has been an extremely harsh winter.
Although the desk calender says it’s spring, you wouldn’t know it looking outside or answering continuous first reports of claims.
As a quick way of review and hopefully, to avoid the surprise of a claim denial.
If your swimming pool has been damaged by this winter’s snow and ice: you don’t have any coverage.
Let’s repeat: If your swimming pool has been damaged by this winter’s snow and ice: you don’t have any coverage.
Under Section 1 – Perils Insured Against section of the standard HO-3 home policy it states:
C. WE DO NOT COVER:
… 3. LOSS CAUSED BY FREEZING, THAWING, PRESSURE OR WEIGHT OF WATER, SNOW OR ICE, WHETHER DRIVEN BY WIND OR NOT TO A:
a. FENCE, DRIVEWAY, ROADWAY, WALKWAY, PAVEMENT, PATIO, SWIMMING POOL, SPA, OR HOT TUB
This, unfortunately, leaves many homeowners without coverage for their damaged pools.