I just ordered a solar cover for my in ground pool. The pool is surrounded by trees and we only get about 3 hours of direct sun each day. My water temp has gotten as high as 72 degrees F. Just curious whether it's best to leave the cover on during the day when not in use as well as at night? I understand that there is a fine line between the temperature increase from the sun alone compared to when the cover is on. Also not sure how much the extra handling from taking the cover on and off might contribute to a shortened lifespan. We don't use the pool everyday - mostly on the weekends or if it's really hot during the week (which it hasn't been lately!

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The cover should stay on all the time, and if you have time, remove it or peel it back for those 3 hours (when you have full sun), so water can heat up. You may consider installing a heat pump (I know electricity rates in NY are high), but if your cover is cut to cover 99% of the pool, you will be surprised how much heat you retain in the water, and how quickly you can heat the pool up. The issue is getting the water up to temp. The covers are great at retaining heat, but not so great at adding heat.
I see this with my cover. My pool gets hot, and heater shuts off. Although I do not really gain any more heat during the day with the cover on, maybe 1* at most. Then again, I trimmed off 1' around the edges, which gives me 2' in the middle of the pool as I was getting algae spotting (no more after this). Last year, I used to bring my pool to about 83* as I was concerned about electricity. Now, I bring my pool up to about 85*. This week I have been experimenting with hotter (about 88*), as the overnight drops will bring me down to a more comfortable level. I will probably maintain my pool at 85* once all this is said and done. I am only wondering how long water takes to heat up at different levels.
In summary, without a heater I think you are stuck because of the limited sun. It could take a few weeks of 90* weather to get the pool up to temperature even with a solar cover. My pool had no heater for 3 years and we barely used the pool. Eventually I had no choice to install a heater and now the pool gets a lot of use, probably 10X as much as everyone used to complain about the water being too cold. Do not get me wrong, a 95* day, 80* water is perfectly fine. Good luck and keep us posted. BTW, covers only last 3-5 years at most.