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  • June 23, 2022
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Summer Water Safety Tips

June 23, 2022

At WebFirst Insurance, the safety and wellbeing of your family is important to us. Did you know that an average of 390 deaths per year are attributed to swimming pool related accidents? As the temperature outside continues to rise, we want to make sure that you know about water safety.

 

 

Increasing the Safety of Your Swimming Pool

One of the best ways to improve water safety is to take measures around your pool, such as:

  • Installing fencing. Putting a fence around your pool with a lockable gate will help keep unwanted visitors out. It could also prevent potential accidents, such as drowning, from occurring. According to Water Safety USA, about 70% of children who drown were not expected to be near the pool or in the water.
  • Installing an alarm. Installing an alarm on your pool gate gives an extra layer of protection to prevent, or notify you of, unwanted visitors near your pool.
  • Never swim alone. Use the buddy system to lower the risk of an accident with no one there to help.
  • Get CPR training. In a research article written by Drs. Joanna Shi-En Chan, Marie Xin Ru Ng, and Yih Yng Ng, they found that CPR was performed in 68.6% of private pool drowning accidents.
  • Keep it clear. Get rid of debris and other objects around the pool.
  • Remove access points. Remove the ladders when you aren’t using the pool.

 

 

The Importance of Pool Maintenance

If your pool is properly maintained, there is less risk for injury. Here are some tips to ensure your pool is in the best condition it can be this summer:

  • Check your chlorine regularly. Contamination of your pool water is easily preventable through regular checking of your chlorine levels, and taking proper measures when levels are too low or too high.
  • Make sure there is adequate safety equipment in the pool area. According to Safewise, adequate safety equipment includes:
    • An alarm to detect when someone has entered the pool area at an unwanted time
    • Pool barriers, such as a fence
    • Pool covers, which can keep the pool clean and keep others safe
      • If you’re looking for a pool cover that won’t collapse when it is walked on, choose one with ASTM F1346-91 certification
      • An alternative, more affordable option is a pool safety net
  • Safety rope lines to help identify the deep end of the pool
  • Rescue equipment, Including:
    • A ring buoy and throwing rope
    • A life hook
  • Other items such as:
    • Anti-entrapment drain covers
    • Safety vacuum release system
    • Animal/pet safety equipment
  • Check the functionality of your pumps and drains often. If not properly maintained, hair, small objects, or even limbs can be caught and trapped under water.
  • Check your electrical systems often. Electrocution in a pool can lead to serious injury, or even death.
  • Inspect the liner periodically. Rips and tears in the liner may appear below the surface of the pool, so do your due diligence and inspect the liner carefully.
  • For above ground pools, check metal supports for rust or deterioration. These may indicate areas where the pool could rupture or a person could be injured.

 

 

Insuring Your Swimming Pool

In addition to preventative measures, it’s always a good idea to insure your swimming pool so that in the unfortunate event of an accident, you’ll be protected. There’s a few things you should know when looking to insure your swimming pool:

  1. Not all property insurers will cover a home with a pool. We recommend doing some research and shopping around before settling on a policy.
  2. Coverage may depend upon the type of pool.
    • Above ground pools are usually considered part of your personal property, and covered as such. However, if there are permanent structures attached to it – like a deck – it cannot be claimed under personal property. Quick note: anything covered by personal property insurance in your house would be something you can take with you when you move. Therefore, attaching a deck to your pool limits its movability in the future, removing its eligibility for personal property coverage.
    • Below ground pools are usually considered part of other structures coverage. This type of coverage is usually set at or around 10% of your dwelling coverage, however you can potentially purchase more to cover larger claims on your pool, depending on the insurer.
  3. Getting personal umbrella insurance is not required to own a pool, but it’s highly recommended. It provides a greater financial cushion should something happen to your pool, or to someone using your pool.

 

 

Risks of Not Insuring Your Pool

There are risks associated with not insuring your pool. Any damages to your pool would come out of pocket. Any medical expenses for injuries done on your property, including your pool, are also your responsibility.

Swimming pool accidents are, for the most part, easily preventable with good water safety practices. It can save people from injuries, or even save their life. Taking the proper precautions to protect your swimming pool, having the right gear necessary if an accident does occur, maintaining your pool, and insuring it is the best thing you can do for peace of mind, and for the safety of yourself and your loved ones. Consider letting WebFirst Insurance, LLC help you find the most affordable insurance plan, and the best swimming pool coverage in Massachusetts.

 

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