If an above ground pool collapses does homeowners insurance cover it?

Whether or not a homeowners insurance policy covers damage caused by the collapse of an above ground pool depends on the specific terms and coverage limits of the policy. In general, most homeowners insurance policies provide coverage for damage to personal property caused by a covered peril, such as wind, hail, or the weight of snow or ice. If the collapse of an above ground pool is caused by a covered peril, such as a strong windstorm or heavy snowfall, then the resulting damage may be covered by your homeowners insurance policy. However, if the collapse is caused by a lack of maintenance or wear and tear, the damage may not be covered. It's important to review your specific policy language and contact your insurance agent to determine whether or not your policy covers damage to an above ground pool. Additionally, you should document the damage with photographs and provide a detailed account of the events leading up to the collapse. If you do need to file a claim for damage to an above ground pool, you will typically be required to pay a deductible before the insurance company will cover the remaining costs. The amount of your deductible will be specified in your policy, and can vary depending on the amount of coverage you have chosen. It's worth noting that some insurance companies may exclude above ground pools from coverage altogether or require you to purchase an additional endorsement to your policy to provide coverage for the pool. Therefore, it's always a good idea to review your policy and speak with your insurance agent to ensure you have adequate coverage for your specific needs.