Two Minutes With Tim: Is a Swimming Pool a "Detached Structure?" from Big I New York on Vimeo.
Submitted for your approval:
1. A home is insured for $512,000
2. By the terms of the Homeowners policy, "Other Structures" are insured for $51,200.
3. A swimming pool attached to a pool deck attached to steps attached to a patio attached to the house is damaged to the tune of $237,000.
Is the pool part of the dwelling (insured for $512,000) or is it an "other structure," insured for only $51,200? In this video, I answer that question based on a court's decision in
Porco v. Lexington Ins. Co.