Great Fun in Your Pool!
Richmond, what a great place to live! We are close to the beach, mountains, rivers and lakes. Pretty much if you can dream it up then you can find a place to go do it. The four seasons is another bonus, unless you don’t like the hot and humid summers!! There is one thing you can do to help beat the summer heat, and if you have ever taken a plane ride then you are bound to have seen hundreds, even thousands of them: Swimming Pools!! If this seems like something you would consider investing in then there are a couple things you need to keep in mind before breaking ground, pool fence codes and insurance rates. I can’t begin to tell you how many people don’t even allow for this cost in the price. Now of course local building codes will vary, but you can reference the Building Officials and Code Administrators Guidelines, B.O.C.A. for short. These guidelines state the following:
- Fences must be at least 48" tall
- The minimum space between the lower most top rail and the bottom rail must be at least 45"
- Specific fence types may have to be taller than 48"
- Spacing between pickets must be less than 4"
- Space between the bottom rail and the ground must be less than 4"
- Gates must be self-closing
- Gates must be self-latching
- Gates need to open out (away from the pool)
- Opening mechanism of the latch must be at least 54" above ground.
Now these are good rules to go by, but again, you must check your local building codes. Keep in mind that any reputable fence company will know these codes.
The other thing you must allow for is insurance. Homeowners who are concerned about protecting their large investments must have pool insurance. Because of the risk factor it is important to protect your pool and yourself from damage, injury or accidents that you can be liable for. There are two types of insurance that homeowners need to look into. First, ensure that your homeowners' insurance covers your pool and second, ensure that you have liability insurance. Homeowners often find that their house insurance policy covers their newly installed swimming pool. Some insurance companies may make you pay extra for the pool coverage although others do not. Be sure to contact your agent to discuss your insurance. Make sure that your insurance company knows that you have a pool because in case of damage they won't cover anything that they aren't aware of. Also, keep in mind that many companies have stipulations regarding fencing, pool alarms and other features such as diving boards. Insurance companies place these parameters on their customers to ensure you and the company is at a lower risk. General liability policies protect against such things as injury or accidents that may occur in or around your pool. Having general liability to cover your pool is always advised. Umbrella insurance is used to extend existing liability coverage. Umbrella policies ensure your liability coverage offers further protection against others being injured or hurt while on your property. If you are considering allowing your residential pool to be used for swimming lessons, then you will need to get in touch with your insurance agent to discuss coverage options. This has additional risk that places even more liability on a homeowner.
In closing, as with any other investment, there are many factors in determining the type of pool enclosure and insurance policy is right for you. After contacting Hurricane Fence Co. for you swimming pool fence, contact you’re your insurance agent to make sure you are adequately insured
Article contributed by fence professional Chuck Billmyer
Fence damage is common in residential and commercial properties. Damage to residential fence is most often caused by fallen trees, wind, or bad storms. While damage to commercial fence is usually caused by vehicles hitting the fence and gates, or by vandals cutting fence to gain access to business properties to steal from company vehicles or steal stored company materials. In either case, the homeowner or business owner, depending on the amount of damage, can engage insurance companies to check on policy coverage and deductibles.
Residential property fence damage will require the homeowner to call their insurance company and discuss damage to the fence and decide if the insurance claim is valid depending on the amount of damage and the cost of repair. Another variable will be the deductible on the insurance policy that the homeowner has with the insurance company. If the insurance company deems damage to the fence is an insurance claim, the insurance company usually will ask the homeowner to get three separate prices from fence companies and turn them into the insurance agent for processing. In some cases the insurance company will call three fence companies for the homeowner, have fence companies go to the property to price repairs, and send the quote directly to the insurance company to handle all aspects of the repairs. In either case, it is up to the homeowner to decide if they want to involve the insurance company to get the fence fixed or if they want to do it themselves and pay out of their own pocket for the repairs. If damage to the fence is minimal, the homeowner should probably not involve the insurance company because the deductible may not be met depending on the amount of damage. A phone call to the insurance agent or checking the insurance policy will give the homeowner the amount of the deductible to decide if an insurance claim is valid.
Commercial property fence damage due to vandals usually will not require a call to the insurance company for repair cost. These claims are usually so small that it would not meet their deductible. The only reason why an insurance company would be called due to vandalism to a fence would be because other property on the site has been stolen or damaged, and the fence repair can be added to the total insurance claim. The most common damage to commercial fence is vehicles running into fence and gates entering or leaving business properties. In most cases, the business can get information from the person who damaged the fence and their insurance company would pay the full amount for repairs and the owner would not be responsible for the cost. This only happens in cases where people are caught hitting the fence or gates with their vehicles. If no one witnesses the incident and no one claims responsibility for the damage, the business owner will have to call his or her insurance company to make a claim. Typically, the procedure to have insurance companies pay for damages would be the same as in residential claims. The business would be required to call their insurance company and report damage and ask for an agent to visit the property to record damage. After the insurance agent has recorded damage, the fence company would be called to price repairs and turn in quotes to the insurance company for review. The insurance company and the fence contractor usually would handle the repair and cost.
Article Contributed by Dennis Sulser
Warranty on vinyl fence and aluminum ornamental fence are usually limited warranties that are stated in the manufactures warranty information provided by each individual company. Manufacture warranties may vary from company to company but mostly include the following:
Lifetime Limited Warranty on Vinyl Fence Products
Lifetime limited warranties are provided by most manufactures of PVC vinyl fence products. The warranties are to the original consumer purchaser. Most warranties state that its vinyl fence and railing products are free of defects in workmanship and materials in the course of normal and proper use of the warranted fence product. Most warranties will cover chipping, peeling, blistering, flaking and damage by pests or abnormal weathering discoloration. Gate workmanship, including welds, is typically warranted for a period of two years depending on the fence material manufacturer. Custom made gates do not carry a warranty. Most warranties extend only to the original consumer purchaser and are not transferable.
In order to claim a defect the owner must contact the dealer who sold or installed the vinyl fence or railing. Proof of purchase is required when requesting warranty service. The product must be purchased from the distributor or dealer and installed according to installation guidelines and in accordance with codes and regulations.
Aluminum Ornamental Decorative Fence and Gates
Warranty on most aluminum ornamental decorative fence and aluminum gates are good for a period of twenty years. The warranty usually covers defects in workmanship and states that the paint will not crack, chip, or peel for a period of twenty years. Most ornamental fence warranties extend only to the original consumer purchaser and are not transferrable. The warranty does not extend to damage caused by use other than that which the fence material has been designed for, to include, negligence, alteration, accident, improper installation, abuse, misuse, vandalism, acts of war or acts of god.
In order to claim a defect the owner must contact the fence dealer who sold or installed the ornamental fence and gates. Proof of purchase is required when requesting warranty service. The product must be purchased from the distributer or dealer and installed according to installation guidelines and in accordance with codes and regulations.
Warranty on vinyl products or aluminum ornamental decorative fence and gates are usually void if any of the following occurs to the product:
1. Improper installation
2. Lack of proper maintenance
3. Impact of foreign objects
4. Misuse, abuse, neglect, vandalism, accident, or alterations
5. Contact with solvents, epoxies, glues, paints, chemical or other substances
6. Damage from fires, violent storms, earthquakes, ground movement, tornado, hurricane, or other acts of god are not covered in the warranty.
Article contributed by fence professional Dennis Sulser.
Information Provided By: Atlantic Fence Manufactures Mid Atlantic Vinyl Products
There are dozens of factors that underwriters and actuaries look at when determining rates or premiums of home insurance policies. Insurance underwriters examine applications for insurance to determine if the applicant meets underwriting eligibility requirements. They also examine the records of existing policyholders to determine if they have excessive claims history or a frequency of late payments. In some instances, they may be required to terminate coverage by issuing a notice of cancellation.
Read more: Insurance Underwriting Definition | eHow.com
A fence can help to lower your homeowner’s insurance by immediately decreasing the amount of vandalism or burglary claims submitted by the homeowner. As with most insurance claim situations, it is the unseen cost that is best understood versus experienced. Fences are a great protection in cases that could prevent homeowner liability. Underwriters may see a as a form of security similar to an alarm system and a wise insurance consumer will ask there carrier to consider it during the quote process.
Two things that can significantly raise insurance rates are the presence of a pool or hot tub. It is an insurance requirement to enclose these with a POOL CODE FENCE. Fences lessen the chance of people from entering your property without your consent. It reduces yours and the carrier’s liability. If you have a trampoline you may also want to consider fencing it in to prevent people from using without your consent. These are all good examples where people have lowered their rates by simply adding a perimeter fence.
In the market homebuyers should take an existing fence into account while looking at possible houses to purchase. These are specific costs that can be factored for insurance and installation need in before the purchase or sale of a house or property. Considering these hidden costs can save you money both directly, and indirectly.
As a note, damage to fences is typically covered by homeowner’s insurance. Be keen to this if a falling tree hits your fence or it sustains other unforeseen fence damage. Contact your carrier to see if you are ‘covered’ when you forced to replace or repair your perimeter security. Be certain, as you will want to be mindful of your claims history when submitting any new claim. Wholeheartedly weigh the cost of replacing the fence versus the potential rate increase due to a new claim submission. It is wise to have current photographs of any existing fence on file for such instances
Most insurance companies will have lower rates for those choosing to add a fence; however your rates will depend on your particular insurance carrier. There are some carriers that are more likely to lower your rates with the addition of a fence. This is something you should look into with your current insurance provider.