Our homeowners insured sustained a severe fire loss to his dwelling, insured on an ISO HO-3. As is common in Florida , the insured has a screened-in swimming pool close to the house. Although the screening is attached to the dwelling, the pool is not. The fire destroyed the screening, which in turn damaged the swimming pool. Now the insurer is arguing that the swimming pool is attached to the dwelling and therefore it falls under coverage for the dwelling. Obviously, this means coverage for the dwelling is lessened.

We think that the pool falls under the "other structures" coverage, with the 10 percent applying.

May we have your opinion?