I store the ladder, rails, diving board in a pool house. Solar gets rolled up and hung from the rafters in the basement / garage. My only concern about covering with a tarp is that critters like to build Winter homes in protected areas and some of those critters like to chew things. As for the freezing effect on a solar cover, I would guess that it wouldn't hurt it if you don't move it and have no standing water in it when you finally store it. The bubbles are thin and at cold temps they would become brittle and may be damaged if moved.
Al
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