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| *Loan,banking and credit>>>homeowner insurance |
I Was Attacked By A Small Nuclear Device: Does Homeowner's Insurance Cover This? |
I suffered damage to my above-ground swimming pool when my domicile was attacked by a micro-sized nuclear device. Okay, maybe it was not a nuke, but just bad luck. I wanted more people to read this, in hopes of getting a better answer, so I went with the mini-nuke theme. Anyhow, the winter cover on my above-ground pool was pulled into the pool during the winter, and the liner subsequently got shredded. The pool structure is intact. I will need to replace the liner, have it installed, and have the pool refilled. I am looking at $1100 or so (pool companies are major mark-up scammers). My homeowner's policy is pretty standard, and the pool is noted on said policy. Do insurance companies normally cover above-ground pools? I *could* pull the policy out of the filing cabinet, but I am too lazy to do so. I figure someone out there knows enough about insurance so I can see if it's worth my effort to read the policy. Besides, there may be landmines in my floor, and I don't want to risk injury. Sorry, the homeowners policy excludes nuclear and radioactive damage. Pools are tricky, even though they are "other structures", there's extra wording that applies - the coverage for "weight of ice, snow or sleet" only covers property contained in a building. Additionally, if you go to section one, perils insured against, you'll see exclusion 2. caused by paragraph b. freezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a (sub paragraph 1) fence, pavement, patio or swimming pool. It doesn't matter if it's above ground, or in ground. The cover is part of the pool, even though you can detatch it. So, coverage is NOT going to apply to the peril you described - ice damage, wind damage, etc. Worse, landmines would be an act of war, undeclared or not, and it's ALSO excluded. Bummer. There is a *chance* that you have a super duper, bells & whistles policy, or enhancement endorsement, that would cover this cover. However, it's not likely (I was quoting the standard HO3 form). Additionally, without even knowing what your deductible is, I'd hesitate to put in a small claim (yes, claims under $5,000 are small claims) because 1. this type of thing is bound to be a repeat and 2. in many states, if you have two homeowners claims, the company can cancel your policy. So even if it WERE covered, I don't think it's worth filing. That's actually why I have a $1,000 deductible on my homeowners policy - it's a hefty credit, and I'm not going to file any small claims anyway. Source(s): agent, 21+ years You are worried about scammers when you try to scam everyone here??? Ever hear of double-standards? Not are you too lazy, but you are simply an idiot. I doubt they cover that, I don't think they even cover in ground pools unless you get a seperate policy for that. Start wearing aluminum foil on your head. The answer is in your policy. Hey, dude. Your money, your ins, your swimming pool. Have any kids? I was wondering if you had the ambition to even do that? |
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