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Most common homeowners insurance policies do not specifically exclude pools and hot tubs. Most common homeowners’ insurance policies do not specifically exclude pools and hot tubs. (Photo: iStock)

Analysis brought to you by the experts at FC&S Online, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.

Question: We have a client who has an HO3 policy — form HO 00 03 04 91. Unknown to the insured, the hot tub had a malfunction of the pump/heater this winter. This caused the pipes and the hot tub to freeze. The hot tub cracked.  Under the above HO3 form, can you determine if there is coverage for this loss?

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