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House with poolHaving the right type of insurance on your home is a must. There are plenty of risks that can impact it. A storm can cause a tree to fall damaging your roof. Your home insurance will likely help you in this case to overcome the loss. You may have a friend over who falls and gets hurt, leading to costly medical bills. That same policy can help protect against liability claims made against your home. But what happens when the pool springs a leak, you don’t notice and you suffer significant flood damage to your home, landscaping and even to a neighbor’s property?

Your Home Insurance May Help

Most home insurance policies do not cover most types of flooding. Flooding caused by a storm, for example, is unlikely to be covered. However, it may cover damage to your home from a swimming pool leak. This depends on what the policy you have specifically states. Most will provide coverage to the damage to your basement and your personal property. If your neighbor’s home is also damaged, this can fall under a covered claim for your traditional policy as well. However, your landscaping will remain at risk. It is likely not to be covered by a traditional home insurance plan.

Keep in mind the details of your policy can make all of the difference. If the policy does not list swimming pool leaks as a covered peril, but a tree falling onto your pool and causing the damage is, then the losses to your landscaping as well as personal property and structure are likely covered.

Will Flood Insurance Help?

Generally speaking, flood insurance is meant for natural disasters, not necessarily for risks related to your personal property. It can cover building property and personal contents from risks associated with storms or overflowing waterways. However, it may not be effective in helping to cover any of the losses you face from a swimming pool leak.

What should you do if you are facing this type of loss? Contact your insurance agent to find out what level of protection you have. Adding additional coverage before such an event occurs can also help you to minimize these risks in the future.

Make sure you know what your policy covers. Call CSP Insurance Services at (843) 519-2557 for more information on Florence SC home insurance.
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CSP Insurance Services |
2420 Hoffmeyer Rd, Suite D | Florence, SC 29501
| Ph: 843-519-2557
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