Claiming Home Insurance For Pool And Spa Damage In Japan – Analysis of UK claims data reveals a year-on-year increase of 188%, in relation to accidental damage claims for hot tubs in 2020.
Scenarios included a grass streamer bursting an inflatable tub, birds pecking holes in a spa cover and an engagement ring ripping a tub lining.
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Lots of people bought hot tubs in 2020…unfortunately, this led to all sorts of mishaps. Kelly Whittington, Property Claims Director for
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In addition, accidental damage claims for items dropped into or knocked off the side of hot tubs in the UK have also increased in recent years by 213%
The figures are mirrored by reports of UK hot tub sales up more than 1,000% in 2020
. Also received a small number of claims for stolen hot tubs. In many cases, deflated spas are stolen from garages and outbuildings, although some brazen thieves took hot tubs directly from customers’ gardens.
Kelly Whittington, property claims director for says: “Many people bought hot tubs in 2020, while others took their spas out of storage so they could enjoy holidays at home. Unfortunately, this has led to all sorts of mishaps, both with the hot Baths alone, both with things dropped in them.
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A short lapse of concentration can easily lead to an unfortunate incident. Kelly Whittington, Property Claims Director for
“Many residents will be staying in the UK again this year, so hot tubs and garden accessories are likely to be very popular again. While it’s great that people are enjoying themselves at home, we would encourage them to take care when using and storing Very hot tubs, as well as being careful with everything that is used around them. As our data reveals, a short lapse of concentration can easily lead to an unfortunate incident.
“Now is also a good opportunity for people to review their home insurance, to make sure it meets their needs.
1). Figures by claims data: UK home insurance ‘accidental damage’ claims for hot tubs in 2019, compared to 2020.
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2). Figures by claims data: UK home insurance ‘accidental damage’ claims for items dropped in hot tubs, comparing annual average 2016-19 with 2020. Homes and gardens during coronavirus lockdowns.
Analysis of its UK claims data for 2020 shows an 188% rise in accidental damage claims for hot tubs over the previous year.
Claims it accepted included a grass streamer bursting an inflatable tub, birds pecking holes in a spa cover and an engagement ring ripping a tub lining. Falling parasols also caused damage, as people tripped over them.
Aviva said claims of items being dropped or knocked off the side of hot babes have also increased in recent years: mobile phones top the list, but other items include hearing aids, watches and tablets.
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The insurer also received a small number of claims for stolen hot babes: some were taken from garages and outbuildings, others directly from customers’ gardens.
Kelly Whittington, director of property claims for Aviva, said many people bought hot tubs in 2020, or took them out of storage, during lockdown.
“Unfortunately, this seems to have led to all sorts of mishaps. Many residents will be staying in the UK again this year. While it’s great that people are enjoying themselves at home, we encourage them to take care when using and storing their Hot Tubs As our data reveals, a short lapse of concentration can easily lead to an unfortunate incident.
You come home from vacation to find a small pond has materialized in your basement. Something in the house has leaked, overflowed or exploded. Your first reaction? Panic. your second:
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If you’re sure it’s safe to do so, take immediate action to stop more water from flowing where it shouldn’t. This can mean turning off your home’s main valve (which often requires a wrench) or an individual water supply valve, also known as a “stop.” Stops leading to your dishwasher, toilet, washing machine or icemaker can typically be turned off (clockwise) by hand to stop the flow of water. Here’s more on how to shut off water supply valves.
By the way, it’s a good idea to research water leak detection systems and automatic shutoff valves before disaster strikes. With one small investment, you could prevent a serious claim and potentially save money through a home insurance discount.
In 2018, nearly one in four home insurance claims were the result of water damage. From 2014-2016, the number of water damage claims in the U.S. What do the numbers mean? Water damage is quite common. But not every kind of water damage is covered by a typical homeowner’s policy.
In general, water damage is covered by home insurance if it is sudden or accidental. In other words, you could not have predicted that it would happen. Water damage is not covered when it is the result of a lack of home maintenance/neglect (eg a roof you haven’t repaired in 30 years). Flood water damage is also not covered (unless you have a separate policy for flood insurance in Massachusetts).
What Isn’t Covered By My Homeowners Insurance?
While homeowners insurance covers many water damage scenarios, there are certain situations where your policy may not provide coverage. Familiarizing yourself with these common exclusions can help you better manage and maintain your property to avoid costly repairs. Here are some examples of water damage that typically aren’t covered by insurance:
To ensure that you have sufficient coverage for your specific needs, review your insurance policy and discuss any concerns with your independent insurance agent. By understanding the limitations of your policy, you can take proactive steps to maintain your property and minimize your risk of encountering costly, uncovered water damage situations.
When it comes to water damage, time is of the essence. According to FEMA, mold and mildew can begin to develop 24-48 hours after exposure. So, if your pipe bursts on Friday night, don’t wait until Monday morning to let your agent/insurance company know what’s going on. Most carriers maintain 24/7 hotlines to guide you through the claims process and advise you on cleaning.
Clean and dry the area on your own, it makes sense to at least contact a water damage / restoration company. Insurance companies may not want to recommend a specific water damage company, but they should be able to help you identify several local options to choose from.
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Note: If your dedicated insurance agent is not available to speak with you at the time the claim arises, make sure you follow business hours. Why? There is a big difference between insurance
. Ideally, both of them should know what is going on in your house. In the event of a claim, it’s your agent’s job to act as your advocate, and help make sure you get a timely, satisfactory response from the seller. Agents can also be valuable in helping to negotiate a settlement for any damages (see Step 6) – one reason we recommend working with an independent agent, rather than a direct writer or “captive” agent.
A water damage/restoration company (WD/RC) is often required to pump out any standing water and thoroughly dry any surfaces before moisture or mold spreads. If mold is already present, the WD/RC may need to apply special cleaning solutions after sealing and ventilating the wet area.
Water damage and restoration companies are not all created equal. Some, unfortunately, may try to use an emergency situation, where you need help quickly. Before signing any contracts or work orders, make sure you get an appraisal and written proof that the company is licensed/insured. Read the company’s online reviews. Ask for references from clients in your city or neighborhood.
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Remember, the WD/RC you choose does not have to be the same company you use to repair walls, flooring, woodwork, ceilings, cabinets, etc. after the water is gone. Many water damage companies offer contracting services in addition. to water and mold remediation, but that doesn’t mean they’re the best choice for your repairs. Again, don’t sign any contracts or agree to additional work without getting a quote…and talk to at least one other contractor. Often , the best person to do carpentry, flooring or drywall is a person who specializes in carpentry, flooring or drywall – not a WD/RC.
In serious cases, water damage can lead to unsafe or unhealthy living conditions in the home. Major flooding can draw household chemicals or waste water into the mix – not something you should be wading through. The risk of electrocution may be present. And even after any standing water is gone, mold spores can contaminate the air.
If you suspect any of these issues are at play, ask your agent and your WD/RC team to advise you on the safest course of action. Most insurance policies include coverage for hotel accommodations and even
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