Is Pool Remodeling Covered by Homeowners Insurance in Prosper, TX?

When your swimming pool starts showing cracks, leaks, or equipment failures, one of the first questions that comes up is: “Will my homeowners insurance cover this?”

It’s a fair question—especially in Prosper, TX, where pools are a big part of family life and backyard gatherings. A pool remodel or major repair can be a big investment, and knowing whether your insurance policy will help can save you from surprise expenses.

The truth is, insurance sometimes covers pool remodeling, but not always. The details depend on how the damage happened, what your policy includes, and how your insurer defines “covered losses.”

In this guide, we’ll break down when pool remodeling might be covered by insurance, when it’s not, how much insurers typically pay, and how Prosper Pool Builders helps homeowners navigate the process from start to finish.

Have questions now? Call us or contact us here for a free consultation.

When Insurance Typically Covers Pool Remodeling

Homeowners insurance can apply to your pool, but usually only under certain conditions. Policies are designed to protect against sudden, unexpected damage, not wear and tear from age or neglect.

Here are the most common situations where pool remodeling may be covered:

  1. Storm Damage or Weather-Related Events
     If a storm, high wind, hail, or falling tree damages your pool structure or equipment, your policy may cover the repairs. In Prosper, where storms can be unpredictable, this is one of the top reasons homeowners file pool-related claims.
  2. Fire, Explosion, or Vandalism
     Pools damaged by accidental fire, explosions, or vandalism are typically included in standard policies. If your pool deck or structure suffers damage from one of these events, remodeling may be part of the repair process.
  3. Falling Objects
     If a tree or heavy branch crashes into your pool and causes structural cracks, insurance may pay for both cleanup and repairs. For this reason, many homeowners pair remodeling with pool repair and restoration.
  4. Covered Equipment Damage
     Some policies include protection for built-in pool equipment such as pumps, heaters, or filters—especially if the damage was caused by a sudden electrical surge or accident.

💡 Tip: Always check your policy wording carefully. Insurers in Prosper may differ on whether your pool is considered part of your home’s “dwelling” or a separate “other structure.”

When Pool Remodeling Usually Isn’t Covered

Unfortunately, not every type of pool problem qualifies for insurance coverage. Insurers draw the line between unexpected damage and maintenance or upgrades.

Here are common situations where coverage doesn’t apply:

  1. General Wear and Tear
     Cracked plaster, fading finishes, or leaking liners due to age aren’t covered. These are considered routine maintenance issues and fall under the homeowner’s responsibility.
  2. Neglected Pools
     If a pool was clearly in poor condition before it failed, the insurer may deny the claim. Regular upkeep is essential to prevent being held liable for neglect.
  3. Upgrades and Aesthetic Changes
     Adding a tanning ledge, waterfall, or new decking as part of a remodel is considered an upgrade, not insurance-related. For these, consider our pool remodeling and renovation services.
  4. Preventive Remodeling
     Deciding to redo your pool before it becomes a problem is a smart move, but it’s not covered. Insurance is reactive, not proactive.

How Much Will Insurance Pay for Pool Remodeling?

Even if your remodel is covered, there are limits to what insurance companies will pay.

  • Coverage Limits Apply
     Most policies cap payouts for pool-related claims. This may be a set dollar amount (for example, $1,000–$5,000) or a percentage of your dwelling coverage.
  • Deductibles Come First
     If your remodel costs less than your deductible, insurance won’t help. Always check whether filing a claim makes financial sense.
  • Cleanup vs. Remodeling
     Some policies cover debris removal or basic repairs but not full remodeling or resurfacing. For example, they might pay to fix a cracked wall but not to resurface the entire pool.

This is why it’s important to get a professional inspection and a detailed quote. At Prosper Pool Builders, we provide clear estimates so you know what part may be reimbursed and what you’ll cover out of pocket.

How Prosper Pool Builders Can Help

Navigating insurance claims for pool damage can feel overwhelming. That’s where we come in. As a trusted swimming pool contractor in Prosper, we don’t just remodel pools—we also help you understand coverage and document claims properly.

Here’s how we support homeowners:

  1. Free, No-Pressure Estimates
     We’ll inspect the damage and give you a clear written estimate, so you know what you’re working with before filing a claim.
  2. Insurance-Ready Documentation
     Our team provides detailed reports, photos, and itemized repair costs to make your claim more likely to succeed.
  3. Safe, Efficient Remodeling Work
     From structural repairs to full custom swimming pool design, we handle every part of the job professionally.
  4. Direct Communication with Adjusters
     When needed, we’ll talk directly with your insurance company to clarify work details and keep the process moving.

What If Remodeling Isn’t Covered?

Not every pool remodel will qualify for coverage—but that doesn’t mean you’re stuck. We offer flexible options to help homeowners move forward.

  • Flexible Payment Options
     For qualifying jobs, we can spread costs over time so you don’t have to delay important work.
  • Prioritize Essential Repairs First
     If a full remodel isn’t possible right away, we can start with structural or safety issues and schedule cosmetic updates later.
  • Transparent Pricing
     Every quote includes a clear breakdown of labor, materials, and extras. No surprises, no hidden charges.
  • Custom Upgrades Available
     If you’re already remodeling, it’s the perfect time to add water features or energy-efficient equipment for long-term value.

FAQs About Pool Insurance and Remodeling

1. Is pool remodeling covered by homeowners insurance in Prosper?
 Sometimes. Coverage applies when damage is sudden and caused by a covered peril, such as storms or falling objects.

2. Will insurance pay for upgrading my pool?
 No. Insurance only covers repairs from damage—not adding new features. For upgrades, see our pool remodeling services.

3. What’s the difference between pool repair and remodeling?
 Pool repair and restoration addresses cracks, leaks, and mechanical issues. Remodeling often involves design changes, new finishes, or structural upgrades.

4. Do Prosper Pool Builders offer free estimates?
 Yes! Learn more here: Do Prosper Pool Builders Offer Free Estimates?

5. How much does it cost to remodel a pool without insurance?
 Costs vary depending on size, materials, and scope. For general reference, see our guide: How Much Does It Cost to Build a Pool in Prosper, TX?

Conclusion

In many cases, homeowners insurance will cover parts of your pool remodeling in Prosper—but only when the damage is sudden, accidental, and tied to a covered peril. Wear, tear, and upgrades aren’t covered, so it’s important to know your policy and plan ahead.

At Prosper Pool Builders, we guide you through every step—from estimating repairs to helping with insurance claims to creating the pool you’ve always wanted.

If you’re unsure about coverage or ready to start planning your remodel, reach out today. Call us or contact us here to schedule your free consultation.