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Storm-Damaged Pools and Landscaping: Is It Covered by Insurance?

Last updated October 25, 2026

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The short answer

What Storm Damage Is Covered

Storm damage to your pool and landscaping may be covered if the damage is caused by a covered peril, such as wind, hail, or lightning. For example, a tree falling on your pool deck or a hailstorm tearing your pool liner might be covered. However, flooding from rising water, such as a river overflowing, is usually not covered by standard homeowners policies.

The distinction between wind-driven rain and ground flooding is critical. If a storm causes a sewer backup that damages your pool equipment, that is often a separate endorsement. You should carefully read your policy's exclusions and limitations to see what is included for these specific structures and plants.

Pools and Their Equipment

An in-ground pool is typically considered a separate structure, so it may be covered under the 'other structures' portion of your policy. This usually covers the pool shell, plumbing, and sometimes the pump and filter. Above-ground pools are often treated as personal property, so their coverage may be different and subject to item limits.

If your pool equipment, like a heater or pump, is damaged by a power surge from a storm, check if your policy covers that. Many policies exclude damage from power surges unless you have a specific endorsement. You should take photos of the damage and keep receipts for any repairs or replacements to support your claim.

  • In-ground pool structures are usually under 'other structures' coverage
  • Above-ground pools are often considered personal property
  • Pool pumps and heaters may have separate coverage limits
  • Power surge damage might require an endorsement
  • Document all damage with photos and receipts

Landscaping and Trees

Landscaping, such as shrubs, plants, and trees, is typically covered for a limited amount, often around 5% of your dwelling coverage. Coverage is usually limited to specific perils like fire, lightning, explosion, theft, and vandalism. Wind damage to trees and shrubs is often not covered, so you may need to pay for removal and replacement yourself.

If a tree falls on your house, the cost to remove the tree and repair your home is usually covered. However, if the tree falls in your yard without damaging a structure, you likely have to cover the removal cost. Check your policy for the specific perils that apply to your landscaping.

Steps to Take After a Storm

After a storm, your first step is to ensure safety. Check for downed power lines, gas leaks, or structural damage. See a doctor if you feel unwell. Then, document the damage thoroughly by taking photos and videos of your pool, landscaping, and any debris. Do not start any major repairs before your insurance company has a chance to assess the damage.

You can remove debris to prevent further damage, but keep a sample of damaged items and make a list of everything affected. Your insurance company may need to inspect the damage. If you live in Burnsville, keep your policy documents and contact information for your insurer in a safe, dry place. Act quickly to secure your property.

  • Take photos and videos of all damage
  • Make a detailed list of damaged items
  • Keep samples of damaged materials
  • Do not make permanent repairs before inspection
  • Secure your property to prevent further damage
  • Review your policy to understand your coverage

When to Call in Professionals

For large debris, like fallen trees, or for water extraction from your pool area, you may need to call in local water damage pros. They can help remove debris safely and assess any water damage to your property. For structural drying, they have specialized equipment to prevent mold growth.

If you have water-damaged flooring or drywall near your pool or landscaping, you may need to address that separately. Local water damage pros can handle debris removal, water extraction, and structural drying. They can also help with moisture mapping to identify hidden water issues.

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Water keeps spreading into floors and walls, so it is worth acting early. Calls are answered 24/7.

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Frequently asked questions

Does my policy cover a tree falling on my pool?

If the tree is blown over by wind, damage to your pool is often covered under 'other structures' coverage. The cost to remove the tree is also usually covered if it damages a structure. Check your policy for windstorm coverage details.

Are my plants and shrubs covered if a storm destroys them?

Plants and shrubs are typically covered for limited perils like fire, lightning, or theft, but wind damage is often excluded. Coverage is usually around 5% of your dwelling limit. Review your policy to see what perils apply.

What if my pool pump is damaged by a power surge?

Power surge damage is often excluded from standard policies unless you have a specific endorsement. If your pump is damaged, document it and check your policy. You may need to file a claim and see if your insurer covers it.

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