Above ground pool damaged by wind and snow

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Written by
Jeffrey Johnson
Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Reviewed by
Jeffrey Johnson

Updated February 2014

The homeowner policy does include coverage for damages to other structures on the premises, if damaged by a covered peril. It is unclear if the damage you are describing is due to wind or weight of ice and snow. The homeowner policy covers for damage due to winds, but some policies do not cover for damage due to weight of ice and snow on other structures. You should review your insurance policy to see what the limitations are for this damage. In either event, your homeowner policy deductible will apply to any covered peril.Discuss the loss with your agent to see if they can confirm coverage or not. Also, determine if you will lose any claim free discount that may apply to your policy and see if that is worth the cost of the claim. If the storm is considered a catastrophe, then the discount should not be affected, but each insurance company makes their own determination as to what is a catastrophe.

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