When ice has accumulated in your pool, you may worry about the removal cost. Although your pool may be covered under a home insurance policy in Bethlehem, Pennsylvania, it may not always pay for the removal of ice that accumulates during the winter months.

Maintenance Exclusion

During the winter months, it is your responsibility as a homeowner to winterize your pool and prepare it for the upcoming changes in the weather. If you do not take proper measures to protect your pool from ice and frost damage, then it may not be covered under your policy.

In many cases, an insurance policy has exclusions related to the cost of regular maintenance. If the damage to your pool is the result of your negligence in Northampton County, then you may be responsible to pay for any repairs or expenses.

Differences in Policies

While many companies will exclude maintenance costs, situations arise that do not allow you to take proper measures to protect your property. In that situation, you may be covered for the expense as long as your insurer allows you to make a claim.

The ability to make a claim will vary based on the situation and the policy that you purchased. Read through the documentation that was provided when you obtained coverage to determine if you are eligible to make a claim as a result of the current situation.

Insurers have different guidelines and policies that determine whether you qualify to make a claim in certain situations. Although many insurers will not remove ice accumulation from your pool, you may be covered if it is not related to regular maintenance. To learn more about protecting your home, contact us to talk to an independent agent.