Hot Tub and Malfunctioning Pump

July 9, 2018

We have a client who has an HO3 policy —- form HO 00 03 04 91 — Unknown to the insured the hot tub had a malfunction of the pump / heater this winter. This caused the pipes and the hot tub to freeze. The hot tub cracked. Under the above HO3 form, can you determine if there is coverage for this loss?

Massachusetts Subscriber

 

What you have with the hot tub is mechanical breakdown, which led to the freezing that caused the damage. The freezing of the hot tub is an ensuing loss to the mechanical breakdown. Therefore, the mechanical breakdown is excluded, but the damage to the actual tub itself is covered.

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis