The Sacramento County Government reports that 70 percent of drowning deaths in our county happen to children under the age of five, illustrating just how vulnerable children are around pools. There are reasons why pool owners must follow local regulations and safety rules. These rules save lives.
Pool owners who do not follow these regulations, and fail to take basic safety precautions, must be held accountable for the injuries and deaths that result from their negligence. The “reasonable” amount of precautions depends on each unique situation. Homeowners with pools should, at minimum, consider pool gates and safety latches on their doors.
Covers, life rings, and other equipment should also be used as necessary. There is no clear rule on what precautions are considered “reasonable,” but homeowners who take no steps to prevent pool injuries are likely to be found negligent. Most homeowners’ insurance policies cover injuries in and around pools.
Homeowners will quickly notice that their premiums increase when a pool is included in homeowners’ insurance coverage. This increase is because pools are dangerous! Insurance companies have to pay many claims related to pool injuries every year, so homeowners must pay more to insure them.
An increased premium also means that there is often insurance coverage for pool injuries – even if the injury occurred at a private home. Larger facilities, such as water parks and hotel pools, are likely to be insured under corporate policies with higher policy limits. Our Sacramento swimming pool accident lawyers know how to find all the insurance coverage that applies to your claim.