Carl_Johnson
Expert Member
Hey guys,
So I need some advice. After the heavy rains we had in July, I noticed that our pool had sunk a bit on the one side. Our yard had been flooded with a lot of standing water.
I made a claim with my insurance via my broker. Assessor came out and muttered some stuff about pool not being installed correctly but arranged for poolvinstaller company to assess.
Pool copany guy came out and mentioned that it looked like storm damage due to the heavy rains and also pointed out that the pool was bulging on the side where there is grass and the water was standing. He said he would put that in the report to the assessor.
A few days later I get told that the insurance company needs a structural engineer to come out and assess further. He comes out and assesses that the pool never had enough cement put in when they were backfilling the walls and that our water table is high.
Needless to say the claim was rejected and these are the reasons:
The one pool side has deformed/bulged slightly as a result of a high-water table which caused the sand fill behind the
pool sides to become in suspension in combination with the fact that the sand fill does not contain enough, or any
cement in the mixture.
• The paving sagged near the steps due to the sand fill which have sagged into the cavity left by the poorly compacted
sand below the steps. Once again, no cement or not enough cement in the sand fill.
• The pool sagged at the steps due to the sand fill which was poorly compacted below the steps.
• The sagged paving at the weir box is due to poor compaction of the sand fill and no cement in the sand fill.
• The small crack is in the gel coat only and due to the deformation of the shell at the steps.
• We do not believe that the defects are primarily related to the heavy rains in June 2023.
• The damages did not happen sudden and unforeseen regrettably the loss is not covered in terms of the policy.
I got a second (or third?) opinion from another reputable pool installation company and their report is similiar to the first pool company that it was due to storm damage.
The pool is older than 10 years old and it is a fiberglass pool.
Has any of you had a similiar experience? Is it worth going ahead trying to go the complaints route with the insurance? This is the first time I have ever claimed so this is all very new.
Thank you in advance for any reply or advice, or criticism.
So I need some advice. After the heavy rains we had in July, I noticed that our pool had sunk a bit on the one side. Our yard had been flooded with a lot of standing water.
I made a claim with my insurance via my broker. Assessor came out and muttered some stuff about pool not being installed correctly but arranged for poolvinstaller company to assess.
Pool copany guy came out and mentioned that it looked like storm damage due to the heavy rains and also pointed out that the pool was bulging on the side where there is grass and the water was standing. He said he would put that in the report to the assessor.
A few days later I get told that the insurance company needs a structural engineer to come out and assess further. He comes out and assesses that the pool never had enough cement put in when they were backfilling the walls and that our water table is high.
Needless to say the claim was rejected and these are the reasons:
The one pool side has deformed/bulged slightly as a result of a high-water table which caused the sand fill behind the
pool sides to become in suspension in combination with the fact that the sand fill does not contain enough, or any
cement in the mixture.
• The paving sagged near the steps due to the sand fill which have sagged into the cavity left by the poorly compacted
sand below the steps. Once again, no cement or not enough cement in the sand fill.
• The pool sagged at the steps due to the sand fill which was poorly compacted below the steps.
• The sagged paving at the weir box is due to poor compaction of the sand fill and no cement in the sand fill.
• The small crack is in the gel coat only and due to the deformation of the shell at the steps.
• We do not believe that the defects are primarily related to the heavy rains in June 2023.
• The damages did not happen sudden and unforeseen regrettably the loss is not covered in terms of the policy.
I got a second (or third?) opinion from another reputable pool installation company and their report is similiar to the first pool company that it was due to storm damage.
The pool is older than 10 years old and it is a fiberglass pool.
Has any of you had a similiar experience? Is it worth going ahead trying to go the complaints route with the insurance? This is the first time I have ever claimed so this is all very new.
Thank you in advance for any reply or advice, or criticism.
