Pool Damage from Wind: Is it Covered by Homeowners Insurance?

Generally, homeowners insurance covers damage to a pool if it was caused by a covered peril such as windstorm, hail, wildfire, theft or vandalism. Homeowners insurance typically covers the cost to repair or replace the pool, as well as any associated damage to the surrounding area.

Some home insurance policies may also include coverage for additional structures, such as pool houses, pergolas and gazebos. However, additional coverage may be necessary if you have a high-value pool or if you live in an area that is prone to severe weather.