February 20, 2007

Your Swimming Pool Could Get You Sued

Tip! Swimming pools are tamer than the ocean and lakes, but never turn your back on them. For anyone who would rather not take a dip in the sea at freezing temperatures, or during a storm, or during a spate of shark attacks, swimming pools are a viable, controlled alternative. Most people live in neighborhoods or apartment complexes which have swimming pools near them, or within them.

Installing a backyard swimming pool can make those hot summers a lot more fun and relaxing, but could it get you into a lot of financial trouble too? The short answer is: yes.

If you’re not properly insured, and someone gets hurt in your pool, you are inviting law suits. I know what you’re thinking: my friends and family are the only ones who use my pool… they’re not going to sue me if anything happens.

Guess again.

It’s not necessarily that people love to sue or even want to. They may have to. With the high costs of medical expenses today, a family that suffers a serious injury (or–god forbid–a death) probably can’t afford not to sue. And if a person was injured at your pool in your backyard, guess who’s technically at fault?

If someone gets hurt, don’t be surprised by a lawsuit: expect it. And don’t think you can watch the pool every moment to make sure nothing happens. Accidents will occur no matter how relentless you are in trying to prevent them. Risks of accidents are statistically proven to be very high around backyard pools and hot tubs.

This isn’t to say you should pour dirt into your pool, plant a nice safe flower bed, and post “keep out of yard” signs all over your backyard. You just need to make sure you are adequately covered when it comes to insurance.

Okay, you’re sold. Now how do you make sure you’re covered?

If you own a swimming pool or hot tub, you should carry very high liability insurance, i.e. in the range of a million dollars or more.

This can be tricky since many homeowner’s insurance policies limit the maximum exposure of the insurer to $100,000. Sometimes you can get this raised to $300,000, but getting covered beyond that, from your homeowner’s plan alone, will likely prove difficult.

Tip! One item that every swimming pool must have is a pool filter. A swimming pool filter is the main process that keeps your swimming pool clean of the various debris that are brought in by wind, rain, cleaning supplies, toys, and swimmers. A pool filter works to keep the water clear and promotes safety and health while in the water. The pool filter has three main components that allow it to keep your water clear and safe for swimmers

This is why you want to look into an umbrella plan. This is a separate liability policy in addition to your homeowner’s coverage. It generally picks up where your homeowner’s insurance leaves off, and you can get coverage of several million dollars.

The cost for this additional coverage is usually minimal, in the neighborhood of $500 per year. This may seem pricey, but considering the millions of dollars of coverage it affords you, it’s worth the money, especially if you entertain and have a hot tub or pool.

One last thing to note is that you may have to buy all your insurance from the same place, which would include home and auto. If you have a pool or spa, it’s probably worth changing insurers to find one who offers an umbrella plan.

Tip! Each filter has pros and cons. Sand filters are easiest to operate and cheapest to maintain. Most people who own sand filters fail to understand how they work. Biggest problem, they backwash too often.

TC Thorn is a writer, blogger, and webmaster who specializes in the home improvement sector.

For more information on the topic, check out these articles on homeowner’s insurance or this information on swimming pools and hot tubs.

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