If you have a pool in your backyard, your homeowners insurance company may find you to be at more of a risk for liability issues unless you take the proper measures to reduce your liability. There are a few things you can do to increase your pools safety while still maintaining a beautiful backyard landscaping. For example, adding a pool fence is one of the best ways to reduce your liability. Here's what you should know about pool fences:
There are no standard requirements
No city has specific requirements for the type of pool fence that you have installed for your swimming pool and it is not required to have. However, your insurance company may highly suggest or even insist that you have a pool fence in order for you to hold homeowners insurance with them.
Follow the Recommendations
If your homeowners insurance company is insistent on installing a pool fence for the swimming pool in your yard, then you should follow the recommendations that most cities give their residents. For example, it is recommended that a pool fence be at least 4 feet high and have a gate that opens away from the swimming pool. This gate should also be self-closing and latch on its own, as well. Also, the material that the fence is made of and the style should make it impossible for children to climb over it. A permanent fence is usually recommended, as well since these tend to be more durable, thus reducing your liability more significantly.
The Most Popular Types
The most popular types of pool fencing include removable mesh, vertical bars, and glass panel. Either one of these are great options and can easily meet the recommendations listed above. However, vertical bar fencing should have bars that are no more than 4 inches wide to prevent children from easily slipping through. Also, a glass panel fence is probably the best option since it is more durable and safe than the other types and does not take away from the beauty of the landscaping since it is transparent.
Add Additional Protection: To take it a step further, you may add additional protection to your swimming pool to reduce liability. For example, adding pool covers, a motion alarm, and rescue equipment will guarantee that insurance companies are more open to working with you.
By adding protection to your swimming pool, not only are you reducing the amount of money spent on homeowners insurance each month, but you are also reducing your risk of being involved in a fatal accident that could even involve your own children. To learn more, contact a company like Everlasting Fence with any questions you have.