My insurance company emailed me saying I do not have a fence around the pool. Is this a requirement in Illinois?

svtcobra

Active member
Dec 3, 2019
40
Chicago, IL
House is vacant which I informed them but once I move in is this going to be a problem? Many of the pools I've seen in the area and neighborhood no one seems to have a fence around their pool.
 

mguzzy

Well-known member
Jul 8, 2015
914
OV, CA
I would check your local code requirements. My guess is that whatever the code, your insurance would be cheaper with a fence. Here in CA all counties are required to have fences around the pools I;m pretty sure. I know mine does.
 
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svtcobra

Active member
Dec 3, 2019
40
Chicago, IL
Oh boy that's a shocker out of left field... Everything I'm looking up online says a fence is required. I'll try to find out from the village or something in my area. Thanks for the response.
 

kimkats

Mod Squad
LifeTime Supporter
Jul 10, 2012
43,219
Tallahassee, FL
While you are checking if the fence is required ALSO check what KIND of fence and GATES. There are some areas where it can't be x high off the ground or it has to be self closing and locking, etc.

Sorry to here this is coming out of left field for you. I am VERY surprised there is not a fence around it already.
 

ajw22

Gold Supporter
TFP Guide
Jul 21, 2013
12,823
Northern NJ
Your insurance company is free to have requirements greater than local codes. If you don’t meet the insurance company requirements they can decline insuring you or change the insurance cost.

The house being empty creates a greater risk to the insurance company. The fence is to keep others away from your pool.

 

svtcobra

Active member
Dec 3, 2019
40
Chicago, IL
The funniest part is there is a chain length fence which is 6 foot or higher around an area where the owner used to raise goats and have a garden. I was going to give rip that apart and give it awat ha. Thanks for confirming everyone. I'll dig deeper into this if its required or just helps keep insurance cost down.
 

ajw22

Gold Supporter
TFP Guide
Jul 21, 2013
12,823
Northern NJ
Many of the pools I've seen in the area and neighborhood no one seems to have a fence around their pool.
Everything I'm looking up online says a fence is required.
Building code requirements change over time. Anything built before the code change is usually grandfathered in. So you cannot determine what is required now by looking around. What you see may be grandfathered under older building codes.
 

svtcobra

Active member
Dec 3, 2019
40
Chicago, IL
Building code requirements change over time. Anything built before the code change is usually grandfathered in. So you cannot determine what is required now by looking around. What you see may be grandfathered under older building codes.
Thanks for this note! I actually called the village and they said a fence is not required. I will still eventually look into it since I have little kids so appreciate the link as well.
 

svtcobra

Active member
Dec 3, 2019
40
Chicago, IL
I know in my neck of the woods a pool and a fence are pretty much mandatory, unless you live out in the rural farming areas.
Yeah my house is in the rural area. The most shocking disappointing news I got so far about this is i cannot find an internet provider and may have to go with satellite internet. I know there is a lot of land in the area but still there is a row of houses on the main street. My neighbor has a 10 million or something house(mine is nothing beyond nothing close to that as Im sure you can tell from the pool pics!) I naturally assumed Comcast was available or Att etc.
 

JoyfulNoise

TFP Expert
Platinum Supporter
May 23, 2015
16,215
Tucson, AZ
From the perspective of the insurance company, it does not matter what the village/city/county building code says. The issue is where to place liability in case of an accident -

No Fence = reckless homeowner with an "attractive nuisance" that should have known better....

Present & locked Fence = responsible homeowner who clearly intended for access to be limited thus making the injured party responsible for their poor choices and bad behavior...

Fences, even expensive ones, are cheap compared to what it will cost you either in higher insurance premiums OR personal injury judgements. The sensible choice is to install a fence and make it fit in with the existing landscape as best as your budget will allow for.
 

Shirker

Well-known member
Jul 2, 2014
424
Athens, GA - USA
In addition to fence, our back porch (which leads to the fenced in area) must have a latching gate and the back door leading to the deck must have an audible alarm any time the door is opened.
 
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svtcobra

Active member
Dec 3, 2019
40
Chicago, IL
From the perspective of the insurance company, it does not matter what the village/city/county building code says. The issue is where to place liability in case of an accident -

No Fence = reckless homeowner with an "attractive nuisance" that should have known better....

Present & locked Fence = responsible homeowner who clearly intended for access to be limited thus making the injured party responsible for their poor choices and bad behavior...

Fences, even expensive ones, are cheap compared to what it will cost you either in higher insurance premiums OR personal injury judgements. The sensible choice is to install a fence and make it fit in with the existing landscape as best as your budget will allow for.
There are a lot of variables with insurance. But you're certainly right. A fence will be installed but first and foremost I need to make sure the pool has to be cleaned and is functional. Step by step it will get done.
 

Rocket J Squirrel

Silver Supporter
Bronze Supporter
Jun 7, 2018
624
Alamo, CA
Yeah my house is in the rural area. The most shocking disappointing news I got so far about this is i cannot find an internet provider and may have to go with satellite internet. I know there is a lot of land in the area but still there is a row of houses on the main street. My neighbor has a 10 million or something house(mine is nothing beyond nothing close to that as Im sure you can tell from the pool pics!) I naturally assumed Comcast was available or Att etc.
(Off-topic, non-pool-related.)

When my wife and I were house-hunting in 2011-2012, we visited 60 homes over 7 months looking for the perfect one. We found one we liked very much but it was in a dead zone for high speed internet. All they had was DSL, which is too slow. I brought my laptop and wired it directly to their modem, and speedtest revealed the slowness. Our real estate agent phoned every ISP and none would service it. We didn't buy that house and, given our constant internet use, are glad we didn't.

If you haven't closed yet, you might want to look elsewhere because you will miss high speed internet.
 

svtcobra

Active member
Dec 3, 2019
40
Chicago, IL
(Off-topic, non-pool-related.)

When my wife and I were house-hunting in 2011-2012, we visited 60 homes over 7 months looking for the perfect one. We found one we liked very much but it was in a dead zone for high speed internet. All they had was DSL, which is too slow. I brought my laptop and wired it directly to their modem, and speedtest revealed the slowness. Our real estate agent phoned every ISP and none would service it. We didn't buy that house and, given our constant internet use, are glad we didn't.

If you haven't closed yet, you might want to look elsewhere because you will miss high speed internet.
I own two houses right now but will look into satellite internet. Love the house with the Crud pool. I'm sure eventually high-speed internet will come here.
 

Shirker

Well-known member
Jul 2, 2014
424
Athens, GA - USA
The problem with satellite internet is the latency. Signal has to travel 50 thousand miles (25,000 miles up and then 25,000 miles back down). It will be fine for streaming movies but it will be awful for anything like gaming, phone/video calls, remote desktop, etc.
 
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svtcobra

Active member
Dec 3, 2019
40
Chicago, IL
The problem with satellite internet is the latency. Signal has to travel 50 thousand miles (25,000 miles up and then 25,000 miles back down). It will be fine for streaming movies but it will be awful for anything like gaming, phone/video calls, remote desktop, etc.
Do you think it will be fine for working remotely? Just basic internet stuff?