Hot Tub and Malfunctioning Pump

July 9, 2018

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?

Massachusetts Subscriber

What you have with the hot tub is mechanical breakdown, which led to the freezing that caused the damage. The freezing of the hot tub is an ensuing loss to the mechanical breakdown. Therefore, the mechanical breakdown is excluded, but the damage to the actual tub itself is covered.