Are Pool Leaks Covered By Homeowners Insurance?


UPDATED: JAN 2020 | 1 MIN READ

It’s a terrible feeling when you head outside to take a dip in your pool and its six-foot depth has suddenly shrunk to five. It can be a stressful ordeal, but with proper knowledge of the problem, it’s also something that is usually easy to fix. 

Pool leaks are common, especially in older pools as regular use can cause cracks in the pool surface over time. If you don’t see any significant cracking in the surface of your pool, it might also be your pump causing the problem with a broken motor. Our guide will help you determine what you should do about your leaky pool.

Finding the Leak

You can confirm the leak by tracking the water levels in your pool. The easiest way to do this is with tape along the edge of the waterline. If the water drops below the tape, then you have a leak.

Once you’re sure you have a leak, you can narrow down the cause. The two main causes of pool leaks are equipment failure or surface cracks.

Checking the equipment

If your pool only seems to leak when you’re running the pump then it’s a good indicator that your problem isn’t a crack in the pool surface. It may seem odd that a pump could cause a pool to leak so much, but faulty pressures could cause water to escape from the system. If this happening, then it’s likely your yard might have a few wet spots near the pool where the water has shot out or escaped to. 

Try keeping your equipment off to see if this is the issue. If your pool maintains its water level, then your equipment probably isn’t to blame. 

Surface Cracks

If your pool has a crack somewhere along the surface, then the water will continue to leak until it reaches the crack. If you’ve ruled out your equipment and your pool is still leaking, then a crack might still lie under the surface. However, it’s also possible that your pool has stopped leaking, which means it might already be at the same level as a surface crack. You can experiment by using food coloring near any suspected leak areas. If the dye is sucked up quickly, then you’ve found your leak. 

After you’ve made the first few basic checks, it’s probably time to call out a professional to help you find the leak. Not all leaks are easy to find and sometimes very tiny cracks can cause huge problems over time. 

Is My Pool Covered By Insurance?

There are so many different types of insurance for your home that it can be tricky knowing which one covers what. In some cases, you might not even be covered at all, but let’s not give up hope. It’s quite possible your particular pool leak is covered by your homeowners insurance. 

Does Flood Insurance cover a Pool leak?

We’re sorry to say that you probably shouldn’t call your flood insurance company regarding your pool leak. If you had the opposite problem and your pool was overflowing from rain you might have a case, but flood insurance is generally aimed towards natural disasters. Even if your pool leak causes flooding elsewhere on your property, a flood insurance company most likely will not be your friend. This doesn’t rule out all of your options though. 

Does homeowners insurance cover a pool leak?

Damaged By Weather? You Might Be In Luck

If your pool was damaged by a catastrophe already covered in your homeowners insurance then you might be in luck. If the last storm that rolled through town knocked a tree down into your pool, then your insurance company could be liable to repair the damage done to the pool. Depending on the type of pool you have, this coverage can come from your personal property coverage or other dwellings coverage.

Wear and Tear? Probably Not Covered.

If your pool leak has been caused by simple wear and tear, it is unlikely that your homeowners insurance will foot the bill. Except in rare cases, homeowner policies aren’t usually liable for damages caused by usage over time and the pool is not one of those exceptions.

Damage Beyond Your Pool:

if your pool leak has caused damage to other portions of your home then those damages might be covered even if fixing your pool is not.

If the leak is causing damage to other portions of your home, it’s extremely important to have a professional come out to make a fix as soon as you can. It’s beneficial to discuss options with your insurance company as well, but generally, you want to stop additional damage from occurring in the future. Insurance companies have a tendency to deny claims if the homeowner let them go on unchecked for too long, so beware and be ready to fix the problem if you notice additional damage occurring.

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