Weight of heavy snow caused an in-ground pool cover to pull from its anchors and fall into the pool, causing damage to the liner and loss of water within. The full extent of damage and repair is not known until weather permits an in-depth inspection.

The insurer denied coverage under the HO3 form, Section 1, Perils Insured Against – Coverage B–Other Structures, 2. Caused by: b. freezing, thawing, pressure or weight of water or ice to a 1) fence, pavement, patio or swimming pool.

The insurer further cites Section 1, Exclusion 1: "We do not insure for loss caused directly or indirectly by any of the following. Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss. 3. Water below the surface of the ground including water which exerts pressure on or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool or other structure."