The home pool is one of life’s joys. It’s fun, it’s good for your health, and it’s extremely comfortable. It’s also a major feature, a home insurance issue, and a safety scenario that must be managed properly. Peace of mind is quite possible for a home pool, if you’re prepared to do some planning.
The Home Pool risk management equation
Most people are aware to some extent of their liabilities in terms of pools, but it’s important to spell these out to get a clear idea of the insurance issues.
The liabilities are:
· Public liability for injuries and accidents
· Swimming pool legislation requirements which dovetail with insurance liabilities to a very large extent
· Swimming pool design in terms of safety issues
· Capital outlay for the above
Getting the costs right
If that’s looking like potentially big money, it is, unless you get it under control. All of these issues can be addressed in basic pool design, and you can get excellent home insurance quotes specifically because you’ve got these things covered properly.
Fortunately for consumers, this isn’t expensive. Good pool designers know how to tailor your pool to any environment. They can also steer you in the right direction in terms of related structural and basic safety procedures which will save you a lot of money over time. Swimming pool manufacturers can also help with these issues. The pool can be made into a real safety zone, and you’ll find that modern insurers will reward the safety effort. Landscapers can also help in terms of dealing with access issues and safety requirements
Pools and Insurance- Creating the knowledge base
There have been constant complaints from consumers, according to swimming pool manufacturers regarding the lack of proper information concerning swimming pool safety regulations. The swimming pool safety issue has become a no-go zone for regulators which aren’t even sure themselves how to advise the public. Because these regulations are mandatory, that’s just not good enough.
Something has to change, and drastically, to put an end to the terrible toll of toddler deaths. Industry, designers and swimming pool manufacturers and construction firms are better placed to achieve practical results.
The logic of getting the swimming pool industry and insurers on the same page is hard to argue with:
- The insurers can identify all the risk areas in terms of legal liabilities and also address the legislative aspects authoritatively
- Swimming pool designers can enforce best practice at source
- Swimming pool manufacturers can ensure correct materials are used
- Swimming pool construction firms can ensure best practice is carried out in practice
- Landscapers can provide very valuable inputs for specific design and site issues
The insurers benefit from a much safer environment and providing incentives to the public to reduce the risk factors. Consumers benefit from greater safety and lower premium requirements. Swimming pool manufacturers and construction firms finally get the result they’ve been trying to achieve, better pool safety. (It’s been a major issue in the industry for decades, and despite the industry’s best efforts, improvements in safety have been minimal
A safer pool, better insurance deals- What more could you need? Check out your options, and you won’t regret it.