Our vinyl pool was closed for the winter and had a winter cover over it. Around November we had a bad wind storm and our fence, trees, etc. went down. In January, after a lot of snow, but we live in MN and always have snow, the pool cover collapsed, the pool was completely empty and the liner was shredded, with a large hole into the vemeculite (sp?). We think the water drained (how? not sure) causing the cover to collapse from the weight of the snow and no water to support it. Insurance is saying the snow caused the cover to collapse which somehow caused the pool to drain (not a covered incident). Can anyone help us figure this out? What happed to the water?[