Spending the day at the pool is one of the most popular summeractivities for people of any age. Almost everyone can recall goingto the “friend-with-a-pool's” house over summer break to cool offon those hot days.

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While going to a friend's house to swim seemed innocent enough,most do not think about the liability and responsibility associatedwith owning a pool. The risk is often overlooked, and most do notrecognize that homeowners have a legal responsibility to preventdangers for visitors on the property, including those using thepool.

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Swimming pools can pose a variety of hazards, such as slippingon the pool deck. But perhaps one of the biggest risks at the poolcan be the diving board, which can cause severe injury and evendeath. According to a study by Columbus, an Ohio-based nationalchildren's hospital, more than 6,500 children and teens are treatedfor diving related injuries every year, and the leading cause iscollision with a diving board or diving platform.

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More than a decade ago, approximately 90% of all in-groundswimming pools had a diving board, but today they are becoming lessand less common. Click through the following slides to learn whydiving boards, a high insurance risk, are going by thewayside.

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1. Safety

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Perhaps the most obvious reason that diving boards have becomeless popular in recent years is the fact that they can be dangerousand cause many accidents.

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When a family puts in a pool, the intent is usually to create arelaxing recreational space to enjoy the summer. The added stressof the dangers of a diving board can disrupt the tranquility thatthe pool should provide, as parents and pool owners may be on-edgewhile supervising swimming on their property.

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2. Not Enough Space

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The safest way to have a diving pool is to ensure that itextends a safe length, which is between 38 and 39 feet long, as theslope in the middle of the pool needs to be far away from the boardto prevent injury from hitting the bottom.

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This length does not satisfy the needs of many pool ownerstoday. In many cases, today's pools tend to be 35 feet long orless, as lot sizes no longer allow for larger pools.

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3. Insurance

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In many cases, homeowners' insurance premiums go up with theaddition of a diving board to a swimming pool. While thepercentages vary depending on the policy, pool owners with divingboards are likely to feel an increase in their insurance rate.

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At the same time, some homeowners' insurance will not even coverdiving board related accidents because of the extreme intrinsicdanger associated with diving boards.

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While it is possible to purchase a rider to cover the divingboard, the insurer may not even allow it. Insurance companies oftenwill not cover liability risks from diving boards or pool slides,and the diving board alone may disqualify the home for a policyfrom some carriers.

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Pool owners without a diving board, however, will experiencelittle (or no) change in their rates after putting in an in-groundswimming pool.

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4. Rigidity

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While diving boards used to be incredibly springy, the divingboards produced today are much stiffer and more rigid. Why? Becausemany manufacturers are scared of lawsuits related to the spring oftheir diving boards and, as a result, aren't making them with asmuch bounce as they used to.

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Because these boards are not as springy (and inevitably lessfun), they have lost much of their novelty value.

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