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After weeks of record-breaking temperatures and oppressive humidity, much of the country is looking to cool off. Swimming pools are perfect for beating the heat, but they can also present 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’s above-ground swimming pool collapsed because of deterioration. Water escaped and seeped into the basement of the residence through the walls and back door, causing damage to the building.

Q. Does the water-damage exclusion on the HO-3 void coverage for this type of loss?A. Under previous iterations of the HO-3, an argument could be made for coverage for damage to the building from this cause. The water-damage exclusion on older versions of the form voided coverage for damage from natural occurrences of water, such as floods, surface water and backed-up sewers.

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