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#1
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I know this is way off topic but...
Posted By: mark
There are a few lawyers out there or the judge that may be able to answer this question. |
#2
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I know this is way off topic but...
Posted By: Frank Wakefield
Yes, you might have liability. Parents would sue you, not the insurance company, and the more insurance you have the ever so slightly more likely it is that you get sued. Get a fence; always have an adult watching the kids at the pool, not through a window; talk to your homeowner insurance agent; and maybe talk to an attorney. |
#3
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I know this is way off topic but...
Posted By: mark
I had a friend 10 years ago who got paralized from the neck down because he was fooling around at a house party and was drinking. He went to dive in the pool, which had about 5 people in it, at the last second he tried to miss someone and ended up diving staight down in a 4 foot pool. His family sued but i can't remember what happened. Thanks for the info. |
#4
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I know this is way off topic but...
Posted By: barrysloate
Pools are notorious for accidents. Cover yourself! |
#5
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I know this is way off topic but...
Posted By: Mike
Your homeowners ins. will go up....but aside from that.....as the folks in Rome used to say " Cover Thy Rear End". Your liabilities are montrous, should anything happen to "anyone" for a million reasons. |
#6
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I know this is way off topic but...
Posted By: JK
Yes you could be liable, yes you should have a fence (at least 6 ft IMO) and yes, you should have insurance. I completely disagree with Frank's implicit suggestion that you should avoid insurance because it increases the chance you will be sued. If you dont tell anyone how much insurance you are carrying, that fact will play no role in any decision to sue you. In most states, the jury isnt even allowed to hear evidence concerning whether you are insured or not or the amount of your insurance. |
#7
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I know this is way off topic but...
Posted By: Maker's
Make sure you have a fence surrounding your pool and I would put a lock on the gate just to be safe...CYA |
#8
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I know this is way off topic but...
Posted By: howard
If you go on vacation make sure you have a responsible house sitter or else drain the pool. |
#9
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I know this is way off topic but...
Posted By: leon
In Texas, at least where I live, you have to have a fence around a pool and it be secured. A pool is dangerous. All you can do is take every precaution you can think of, to cover your butt, and then have fun with it..... |
#10
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I know this is way off topic but...
Posted By: Frank Wakefield
Well now JK I didn't say for him to not get insurance. But if you couldn't read that, you can't read this, either. |
#11
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I know this is way off topic but...
Posted By: mark
having a fence put up. But, i think no matter what you do to keep people safe you are still liable because it is on your property. Even if some kids do a night time swim and get over the fence you are still liable. |
#12
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I know this is way off topic but...
Posted By: shane
I work for an insurance company here in Dallas. Insurance companies do underwrite the policy with regards to if you have a pool and if there is a fence, diving board, and if there is a slide. Insurance companies will not write a home that does not have a six foot fence around the pool and/or a slide for the pool. Many of the companies will not write a home that has a trampoline. We have had more claims with regards to a trampoline than a pool. When an umbrella is written by our company, the only people that know that this policy exists are myself, the customer and the umbrella department. So this protects the customer if an attorney has an inside track to our company when finding out how much liability the customer has. The guy that said that the premium increases if you have a pool is incorrect. There is not a surcharge to the policy for this. Liability automatically comes with the homeowners policy. To increase from $300,000 to $500,000 would be an additional charge of $6 a year. |
#13
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I know this is way off topic but...
Posted By: Silver King
I posted several months ago when I joined Net54 that my side hobby was pulling drowning victims from the rivers here in Sacramento. Although all my recoveries have been from places other than pools, we still get those calls too. The victims aren't just the people who drown, it's the entire neighborhood. Friendly neighbors become finger pointing enemies. I know of three very bad pool incidents and one in particular ruined a very nice neighborhood not to mention the mentality of the person who made the recovery. My advice, get one hell of a good fence around the pool and maybe a double gate getting into the back yard. I don't know anything about insurance but if they can't get to the pool, they can't drown. |
#14
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I know this is way off topic but...
Posted By: Joe D.
I think a pool opens you up to a whole world of liability. |
#15
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I know this is way off topic but...
Posted By: Steve f
I've got no legalese to add, but the kids we've gotten to in time (and there are several), most survived, but too many with life-long deficit. These are the most memorable of all emergency responses. |
#16
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I know this is way off topic but...
Posted By: mark
I will do everything you guys mentioned. Like you said, i will have a clear conscience knowing that i did everything possible to prevent an accident. There will be always someone watching from the pool and not the window. |
#17
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I know this is way off topic but...
Posted By: Mike
I have a large swimming pool and hot tub in my back yard, and in Minnesota a fence is required. And for those who say your rates don't increase substantially, Uhm....they do. |
#18
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I know this is way off topic but...
Posted By: shane
Rates might increase in some other states for adding a pool, but here in Texas the rate is the exact same with or without. I know this regardless if you live in Texas or Maine, you can increase your homeowners liability from $300K to $500K for less than 1300 calorie meal at McDonalds. |
#19
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I know this is way off topic but...
Posted By: JK
Frank, |
#20
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I know this is way off topic but...
Posted By: warshawlaw
Insurance policies don't attract lawsuits; that is nonsense. Your insurance policy is not public knowledge; there has to be a lawsuit already in progress to compel you to fess up to having one, and if the fight is already on, you are screwed anyway, so better to be screwed with protection than not. |
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