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Jun 12
Two Minutes With Tim - Is a Swimming Pool a "Detached Structure"?


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.


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