Frreze Damage to Pool Plaster

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J

JJOM

LifeTime Supporter
Oct 28, 2013
19
Central Texas
Pool Size
25000
SWG Type
Jandy Aquapure 1400
Hi TFP!

I have an issue that doesn't seem to be covered very well (or I can't find it), and I need some opinions!

I am in Texas and as you may have heard we had a little cold snap... Before the storm I made sure my pool level was well below the piping and drained everything. I was happy for that, as everything would have been in bad shape with multiple freezing days and no power.

What surprised me was the damage to the plaster above the water line. It seems there was moister under the skin of the plaster and the sudden freeze made it separate. I must say it is pretty disappointing and I am wandering if this is 'common?' Would a reputable Home Owners Policy cover these types of repairs? I know I should ask them, but I was always told to not even call your Home Owners Insurance until you are sure of a claim; I am hoping someone here has had a similar experience.

I will post some pictures, and as always, Thanks TFP!
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That is the same process that creates pot holes in roads up North. All it takes is a bit of water getting into a crack in rocks, or concrete, or pavement and the expansion when it turns to ice cracks the surface.

You did all the right things and drained your pool down but the surfaces did not have time to dry out before the freeze.

I doubt your home insurance will cover it. But you never know with the way disaster areas are handled.
 
There are a few posts that address this (try and search "plaster freeze"). One poster did contact their insurance company (USAA) and said that it is NOT COVERED, for several reasons. This is probably pretty telling since USAA is one of the better insurance companies out there.
 
I saw this happened to someone in the freeze on reddit too. Afaik this is not common for plaster pools closed in advance of winter with plaster exposed. It seems to be a special case where if plaster is exposed just before freezing and then freezes while it's still wet/saturated.
 
NewToPools_Texas said:
@JJOM I am also in Texas. Who is your insurance company? Did you end up initiating a claim with them?
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I have USAA, I did not call them yet. I have a couple of other issues to investigate before calling; hope to begin the process this week.

Would love more feedback about this issue. So far it seems it will not be covered.
 
JJOM said:
I have USAA, I did not call them yet. I have a couple of other issues to investigate before calling; hope to begin the process this week.

Would love more feedback about this issue. So far it seems it will not be covered.
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Rumor is USAA is not covering any pool equipment but am not sure about plaster. I have FedNat and the process is moving along without a denial, but slowly. I can post an update. Not sure where it'll land. I did have what appears to be deck cracking in addition to total pool pad devastation where everything was destroyed.
 
This happens in New England from time to time. The fix is to grind out the bad or loose area and apply some new plaster. You can color blend the best you can - as it will never look perfect. Add a bonding agent to your plaster patch and again the area needs to be ground up with an angle grinder or similar and should be very rough so the new patch sticks. After the repair you can bring the water level right up. Maybe a local pool plaster place may have a color match or better process... but if you don't fix it.. it will only get worse.
 
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