AG Pool and homeowners insurance

[CarlD]

Today I received a letter from my insurance company (I won't mention names ... okay it's Traveler's) that they want me to put a fence and locking gate around my AG pool or else they are going to drop me! I called & told them that it doesn't make any sense to put a fence around a pool that already has 52" sidewalls. Besides, I have a ladder with a gated entry and a pool alarm. Has anyone else run into the same situation?

Is it BOCA code? Did you get a building permit and was it approved. If the answer is "yes" to either or both, there should be no issue. If you are neither, you'll probably have to comply.

Current gate standards call for self-closing and self-latching and a latch that cannot be reached by children (there are a couple of allowable versions of this).

You can put fencing around an AG without too much heavy expense--right on the pool!

[kjmelak]

I secured all the necessary building permits. My local building department came out and inspected when the pool was installed & they had no problem with it.

I had just recently switched to Traveler's. I declared that I had an AG swimming pool. A few weeks later, they told me that they were going to send an auditor to take a few pictures. I was home when the auditor came & he never mentioned that the pool was a problem. The underwriter saw his pictures and told me that since the pool was viewable from the street, that it could attract children to it, therefore they want a fence around it.

[CarlD]

Funny. Passing inspections (and having proof) should be enough.

But make sure you know EXACTLY what they want and need before you invest in it--make sure they agree it's acceptable.

Insurance companies don't make money by paying off, so they look for ANY excuse to drop you. Maybe change agents? We are lucky and have a FANTASTIC State Farm agent. W/O him, S/F is just another big insurance company.

[badutahboy]

My insurance company (farmers) told me that they only cover pools if the yard is completely fenced... they never threatened to drop me, just specified that anything relating to the pool would be specifically excluded from my coverage if I didn't fence my yard completely.