After weeks of record-breaking temperatures and oppressivehumidity, much of the country is looking to cool off. Swimmingpools are perfect for beating the heat, but they can also presentsome 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 because of deterioration.Water escaped and seeped into the basement of the residence throughthe walls and back door, causing damage to the building.
Q. Does the water-damage exclusion onthe HO-3 void coverage for this type ofloss?
A. Under previous iterationsof the HO-3, an argument could be made for coverage for damage tothe building from this cause. The water-damage exclusion on olderversions of the form voided coverage for damage from naturaloccurrences of water, such as floods, surface water and backed-upsewers.
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