Pools suffer from age and wear like anything else. When a neighbor's pool collapses and causes damage to the insured's property, is there insurance coverage? (Photo: ALM Archives)

Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions. Analysis brought to you by our FC&S experts. 

Editor's Note: Pools are subject to wear and tear, just like anything else. However, when a pool wears, it can collapse and send water everywhere, including into a neighbor's property. That's what happened in this week's Coverage Q&A.

Question: The insured's fence and inground pool were damaged when a neighbor's pool collapsed due to wear and tear. Is there coverage for the loss under the insured's all-risk homeowners policy? 

— New York Subscriber 

Analysis: Insurance policies often contain many exclusions specifically for water damage. The exclusions don't necessarily depend on where the water came from for coverage to be denied.

Answer: To learn the answer to this week's coverage Q&A, please log into your FC&S Expert Coverage Interpretation account.

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