Have you recently moved into a home with a pool in Florida? If so, there are some things you need to know, from an insurance perspective, about having a home with a pool. Pools are considered an “attractive nuisance”, beautiful and refreshing though they may be.
4 Things You Need to Know About Owning a Florida Pool Home:
- Fencing – Your pool must have a fence of some kind around it or it cannot be insured in Florida.
- Adequate coverage – Make sure that you have enough insurance coverage to replace your pool if it is damage or destroyed; for example: in the event of a hurricane.
- Liability – Make sure you have enough liability insurance to cover you in the event that someone gets hurt or is seriously injured in or around your pool.
- Defining “pool” – It might seem odd, but cities, towns and municipalities often have their own definitions of pool based on water depth and size, among other considerations. Check to see what is required of you in terms of safety standards, building codes, and insurance needs.
These are just a few things to think about whether you are building a home with a pool or you are moving into a home with a pool for the first time. Pool homes are lovely and pools are relaxing, but it is important to remember the distinct insurance needs that come with owning a home in Florida with a pool.
Advocate Claims is a professional and licensed public adjusting company that serves Florida, Georgia and other states. If you have questions regarding your pool home or filing a homeowner’s insurance claim, the professional public adjusters at Advocate Claims can help. Call 954-369-0573 today to get started.