After weeks of record-breaking temperatures and oppressivehumidity, much of the country is looking to cool off. Swimming pools are perfect for beating the heat, but they can alsopresent some insurance complications.

Such was the case for an FC&S subscriber's client,who was insured by a Homeowners' policy form HO-3. The client'sabove-ground swimming pool collapsed due to deterioration. Waterescaped and went into the basement of the residence through thewalls and back door, causing damage to the building.

Does the water-damage exclusion on the HO-3 void coverage forthis type of loss?

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