If flood waters compromised where those chemicals are kept, your client could be at risk for dangerous chemical reactions in their pool shed. And those chemicals can pose their own danger. Your client may need more than the usual cocktail of chlorine or other chemicals to remediate the pool water. Water coming off of landscaping or a rooftop can carry all sorts of organic contaminants that lead to a surge in insect, bacteria or algae growth. Your client will need to clean and/or replace the filter, perhaps several times, before their pool is restored to its former crystal-clear condition.įlood waters can bring more than dirt into a swimming pool. The filter will get a workout to remove dirt, dust, and sand deposited by the storm. Damage may have occurred when water seeped into the pump motor or breaker box, and a licensed electrician may need to evaluate what can be repaired or what needs to be replaced.Īfter clearing major debris from the pool, particulate matter may remain that can damage the pump system. Water plus electricity – need we say more? When the electrical equipment required to run a swimming pool gets wet, your client can’t just wait for it to dry out and plug it back in. Remove that weight, and the ground can start moving with devastating effects on your concrete or pool liner. The soil underneath has adjusted to thousands of pounds of water pressing down on the swimming pool floor. Draining the pool can cause the floor of the pool to shift and even rise from the ground in what’s known as Inground Pool Pop Up. If the pool is damaged or contaminated to the point that you have to drain it for repair, it’s not as simple as just pumping the water out. Pool cleanups and repairs can be as costly as they are complicated: Every year they continue with NFIP coverage, they risk having to pay thousands out of pocket to clean and remediate their pools. In the event of a flood, this could become yet one more item on the list of damages your client needs to address. Is Private Flood Insurance a better option for homes with pools? Together, you can tailor a flood insurance policy that addresses the specifics of their property. With private flood insurance, your clients can get support through costly pool cleanups after catastrophic events. When seeking to protect themselves against a flood, your clients with swimming pools will likely want coverage that includes this prized feature of their home. However, according to the National Weather Service, floods are four times more likely to occur than fires. It’s a given that we install smoke detectors and strategically place fire extinguishers. We don’t often question taking precautions against a fire in our homes. Private flood insurance solutions offer more options, which is especially important as you work to support your clients to prepare for a potential flooding event.īoth agents and clients may forget to put flood risks on their radar, although statistically speaking, this should be a top priority. As you may know, the NFIP has a $250,000 limit on covering damage to the main home structure, which can pose a problem if your client is facing more expensive repairs. When it comes to swimming pools, what does flood insurance cover?įor years, consumers had only one option when it came to flood insurance: The National Flood Insurance Program (NFIP).
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