Are Pool Cracks Covered by Homeowners Insurance? A Complete Guide

Homeownership comes with many joys — and responsibilities. One of the most significant investments you may have on your property is a swimming pool. Whether it’s an in-ground or above-ground installation, pools can add value to your home, enhance your lifestyle, and provide endless summer fun. However, like all home features, pools require maintenance and are prone to damage over time, including cracks.

If you’ve noticed cracks in your pool, you’re probably wondering if your homeowners insurance will cover the repair costs. This article dives deep into understanding whether pool cracks are covered by insurance, what factors determine coverage, and how homeowners can protect their investment.

Table of Contents

Understanding Homeowners Insurance and Pool Coverage

Homeowners insurance typically covers damage resulting from sudden, accidental events like storms, fire, vandalism, or plumbing bursts. However, it generally does not provide coverage for damage caused by wear and tear, poor maintenance, or neglect — factors that often contribute to pool cracks.

Most standard policies offer two primary areas of coverage that could relate to pool damage:

Dwelling coverage — Protects the structure of your home and attached structures like a deck or built-in pool.
Other structures coverage — Usually amounts to about 10% of your dwelling coverage and may apply to detached pools or standalone pool houses.

Whether the damage is covered depends entirely on how the crack occurred and the specifics of your policy.

Types of Pool Cracks and Their Causes

Before examining insurance coverage, it’s essential to understand the nature of pool cracks.

Structural vs. Cosmetic Cracks

Pool cracks can generally be categorized as either structural or cosmetic:

Structural cracks — These are deep, wide, and usually affect the integrity of the pool. They can be caused by shifting soil, poor construction, plumbing failures, or severe weather events.
Surface or cosmetic cracks — Often called hairline cracks, these are small, shallow, and typically the result of regular wear and tear, temperature fluctuations, or concrete shrinkage. These usually don’t impact the pool’s functionality but may lead to water leakage if ignored.

Structural cracks are more serious and costly to repair. For homeowners, determining the type of crack and its cause can significantly affect whether insurance coverage is applicable.

Common Causes of Pool Cracks

Insurance is far more likely to cover pool cracks caused by sudden, external events like a storm or plumbing burst than something like long-term wear and tear.

Is Your Pool Crack Covered by Insurance?

Now let’s take a closer look at the factors that determine whether your insurance company will cover the cost of pool crack repairs.

Key Factors That Influence Coverage

Cause of the Crack – Insurance generally covers damage from unforeseen events. Cracks caused by sudden and accidental issues are more likely to fall within coverage parameters than those from aging or poor upkeep.
Deductibles and Policy Limits – Even if the damage is covered, you may have a deductible that makes claims for small repairs less practical. Additionally, coverage may be limited depending on the value of the “other structures” portion of your policy.
Policy Exclusions – Many insurance policies explicitly exclude coverage for certain events or damage types. Earthquake and flood damage, for example, typically require separate policies.
Evidence and Documentation – Insurance companies often require proof that the damage was caused by a covered peril. Without proper documentation, your claim may be denied.

Examples of Covered vs. Non-Covered Scenarios

Scenario	Coverage Likely?	Explanation
A heavy storm knocks down a tree that cracks the pool shell.	Yes	Weather-related property damage is generally covered under homeowners insurance.
The pool cracks due to neglected maintenance over several years.	No	Normal wear and tear and lack of maintenance aren’t covered per policy terms.
A pipe bursts in freezing weather, causing significant cracking.	Yes	If the pipe burst is due to sudden freezing, a claim may be covered if the home wasn’t grossly neglected.
Cracks appear because of soil expansion from improper drainage.	No	If the issue was avoidable with proper landscaping or pool upkeep, coverage may be denied.
An earthquake causes large, structural damage.	No (unless earthquake insurance is active)	Earthquake coverage is typically excluded unless you’ve purchased a separate policy.

These examples illustrate that whether your pool cracks are covered depends heavily on how they occurred and what your insurance policy actually covers.

When Maintenance Becomes a Problem

One of the most important considerations when it comes to claims is whether the damage could’ve been avoided with reasonable care. If a pool crack resulted from poor upkeep — for instance, failing to properly winterize the pool, repair leaking plumbing, or clean out drainage systems — you may not be covered.

Insurance companies often deny claims due to “maintenance issues.” Therefore, keep records of regular maintenance activities, such as:

Pump maintenance logs
Chemical levels and cleaning schedules
Receipts for professional inspections or repairs

Such documentation may help if you’re fighting a denied claim associated with pool cracks.

Steps to Take If Your Pool Has Cracks

If your pool has developed cracks, immediate action is crucial — both for protecting your property and increasing the chances of successful insurance coverage.

Step 1: Assess the Damage

Visually inspect the crack to determine if it’s structural or cosmetic. You can usually tell by size and depth:

A hairline crack visible on the surface but not leaking water is likely cosmetic.
A crack that is wide, deep, and allows water to escape generally indicates a structural issue.

Step 2: Document Thoroughly

Take photos and videos of the entire pool and the specific crack. Include close-ups and wide shots as context. Note the date when you discovered the crack and any possible event that precipitated the damage (e.g., recent heavy rain or temperature change).

Step 3: Contact a Pool Professional

Consult a licensed pool contractor or structural engineer before reaching out to your insurance company. They can help determine the severity of the crack and whether it warrants immediate repair — or even replacement in severe cases.

Step 4: Review Your Insurance Policy

Check the following sections to see if coverage might apply:

Coverage C – Other Structures (pools, sheds, gazebos)
Coverage D – Loss of Use (potentially if the property is uninhabitable during repairs)
Endorsements or separate policies (for earthquakes, floods, or extended structures)

Step 5: File the Claim (If Applicable)

Once you’ve reviewed your policy and confirmed that the crack resulted from a covered peril, you can file the claim with your insurance provider. However, only proceed with a claim if the cost of repair exceeds your deductible and is considered significant.

You may also want to avoid filing small claims that could lead to premium increases or future claim denials.

How to Improve Insurance Protection for Your Pool

If you want better, guaranteed coverage when pool cracks occur, there are several proactive steps you can take.

1. Add a Pool Endorsement (Rider) to Your Policy

Some insurers offer coverage enhancements specifically for backyard pools. Request a “pool rider” that may increase your coverage limits or provide explicit protection for structural issues.

2. Purchase Additional Coverage

Consider separate policies such as:

Earthquake insurance — If you live in an area prone to seismic activity.
Flood insurance — Especially important if your pool is susceptible to water-related damage from rising water or drainage issues.

3. Maintain Comprehensive Maintenance Records

Insurance companies may view consistent maintenance as proof that you care for your property. Maintain records of:

Pool inspections
Professional cleanings
Repairs and replacements
Equipment maintenance schedules

These may help if your pool crack could have developed due to a hidden issue unpreventable with ordinary maintenance.

4. Schedule Annual Inspections

Having a professional inspect your pool system annually can catch minor issues before they become large-scale — and potentially expensive — damages.

Conclusion: When Pool Cracks Are and Aren’t Covered

The answer to the question — Are pool cracks covered by homeowners insurance? — is not a simple yes or no. It depends heavily on the cause, type, and documentation associated with the damage.

If your pool’s crack was caused by a covered peril — such as a sudden storm, fire, or plumbing failure — and you’ve maintained the pool properly, you have a better chance of receiving coverage. However, if the damage resulted from aging, lack of care, or excluded perils like landslides or earthquakes, coverage is unlikely.

To protect your investment, review your current coverage, understand what’s included and excluded, and consider additional riders or supplementary policies to ensure robust insurance protection. Also, keep thorough records of maintenance, inspections, and any damage over the years.

Ultimately, understanding your homeowners insurance policy and taking proactive steps can help safeguard your pool — and peace of mind — for years to come.

Final Tips for Homeowners with Pools

Don’t skip regular maintenance or delay small repairs.
Educate yourself on policy details like coverage limits and exclusions.
Document everything — especially after a major weather event or noticeable damage.
Consult professionals before filing a claim.
Consider enhancing your pool coverage through endorsements or separate policies.

By staying informed and acting swiftly when cracks appear, you can navigate the insurance process with confidence and protect one of your home’s most valuable features — your pool.

Are pool cracks covered by homeowners insurance?

Homeowners insurance may cover pool cracks, but it largely depends on the cause of the damage. If the cracks result from a sudden and accidental event, such as a fallen tree or a vehicle collision, coverage is more likely under the dwelling or other structures portion of the policy. However, if the damage is due to wear and tear, poor maintenance, or gradual shifting of the ground, the insurance company may not cover the repair costs.

It’s also important to review the specific details of your policy, including coverage limits and exclusions. Some homeowners insurance policies may offer limited protection or require additional endorsements for pool-related damages. If you’re unsure whether your pool is covered, contacting your insurance provider or agent to clarify your policy terms is a wise step before filing a claim.

What types of pool damage are typically covered by insurance?

Insurance typically covers pool damage caused by sudden, accidental, or unforeseen events. For example, if a storm causes a tree to fall onto your pool, resulting in structural damage, the incident is likely covered. Other covered events may include vandalism, fire, or damage from a vehicle. These are considered “covered perils” under standard homeowners insurance policies, and repairs or replacements may be paid for up to the policy’s limit.

However, damage caused by lack of maintenance, negligence, gradual deterioration, or improper installation usually isn’t covered. This includes things like cracks from shifting soil, corrosion, or cracks that form over time due to poor construction. Understanding what qualifies as a covered peril will help you determine whether your specific situation is something your insurer will pay for or if you need to pay out of pocket or invest in additional coverage.

How does my location affect insurance coverage for pool cracks?

Location plays a significant role in whether your pool cracks are covered by insurance. Insurers may exclude or limit coverage for homeowners in areas prone to earthquakes, sinkholes, or expansive soils that cause ground shifting and subsequent structural damage. In such regions, pool cracks caused by geological movement may not be covered unless you add a separate endorsement or purchase a specialized policy that addresses those specific risks.

Additionally, if you live in a climate with frequent freeze-thaw cycles, any damage caused by expanding ice within the pool structure may also be excluded unless the damage is a result of a covered event. It’s wise to consult with your insurance company about the geographic risks in your area and whether your current policy is sufficient to protect your pool investment.

How can I increase my chances of getting insurance coverage for pool cracks?

To increase your chances of getting insurance coverage for pool cracks, maintain thorough documentation and take preventive steps to avoid damage. This includes keeping a record of regular maintenance, such as winterization processes, cleaning, and inspections. In the event of a crack, provide photographic evidence, repair estimates, and any relevant information about what might have caused the damage to support your claim.

Filing your claim promptly and working with a reputable contractor who understands insurance claims can also help. They may be able to identify whether the damage stems from a covered event. If you believe your claim was wrongfully denied, consider getting an independent assessment or consulting a public adjuster who can advocate on your behalf and help re-negotiate the claim with your insurer.

What should I do if my insurance company denies my pool crack claim?

If your insurance company denies your claim for pool cracks, first request a detailed explanation of the denial. This will help you understand whether the reason is based on a policy exclusion, insufficient documentation, or a misinterpretation of the damage cause. Review your policy thoroughly to confirm whether the insurer’s reasoning aligns with the coverage terms described.

You can challenge the denial by submitting additional documentation or evidence that supports your claim. This might include written opinions from licensed contractors, engineers, or pool maintenance professionals. If necessary, you might also request a re-inspection or pursue a formal appeal through your insurance provider. In cases of continued denial without justification, consulting a legal professional or contacting your state’s insurance department may also be appropriate steps.

Does the type of pool affect insurance coverage for cracks?

Yes, the type of pool can influence insurance coverage. Inground pools, which are typically more expensive and permanently attached to your property, are usually covered under the “other structures” portion of your homeowners insurance. Above-ground pools, on the other hand, may be considered personal property and covered under different terms, often with lower payout limits.

The material and construction type of the pool also matter. Concrete pools may be more prone to certain types of cracking than fiberglass or vinyl-lined pools. Depending on your policy terms, insurers might treat different types differently, especially when assessing whether damage resulted from a covered peril or normal wear and tear. Be sure to clarify with your insurer how your specific pool type is classified under your policy.

Can I add additional coverage for my swimming pool?

Yes, you can often add endorsements or riders to your homeowners insurance policy to provide more comprehensive coverage for your swimming pool. These optional coverages can protect against specific risks that are normally excluded, such as damage from sewer or drain backup, earth movement, or equipment breakdown. Talk with your insurance provider to explore these options and understand what additional coverage might apply to your swimming pool.

In some cases, you may also consider purchasing a separate equipment breakdown insurance policy or a pool warranty. These can provide financial protection for mechanical systems, filtration units, or structural components of the pool. Adding such coverage can help reduce the long-term financial risk of owning a pool and provide peace of mind in case of unexpected damage or mechanical failure.