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Draining Pool Costs Elderly Woman Her Homeowners Insurance

Draining a pool cost one woman her homeowners insurance. Insurance companies have begun using drones to identify liability risks.

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Draining Pool Costs Elderly Woman Her Homeowners Insurance

Acquiring homeowner insurance policies in California has grown increasingly challenging. State Farm and Allstate, citing wildfire risks, have ceased writing new policies, while others have imposed limits on new customers. In an unexpected twist, several homeowners have been informed that AAA is declining to renew their longstanding policies, with no wildfire-related grounds.

The homeowners were taken aback upon discovering that aerial imagery from aircraft and satellites was being utilized to scrutinize their properties. The reasons for AAA’s policy cancellations ranged from perceived yard clutter to an unconventional water-saving measure – the draining of a swimming pool.

In a prior encounter, CJ Sveen from Oakley spoke with reporters when AAA had just notified him of their decision not to renew his homeowner insurance. According to AAA, debris and hazards in Sveen’s yard were observed through images.

Sveen expressed his displeasure, remarking, “Apparently they have some pictures and they noticed clutter. I find that offensive. How dare you judge me because of my stuff!”

Sveen defended his yard, asserting it served as his workshop and posed no hazard. He stated, “There was no chance to mitigate, clean up, do anything, it was just, you’re fired.”

Another individual affected by the policy non-renewal was George Nadeau from San Rafael, who was informed that his roof had “exceeded its useful life.”

“I think obviously that their drone surveillance was bogus,” Nadeau said. “And that’s crazy. We have one of the best-maintained residences in the neighborhood. And we’ve kept very good care of our roof!”

Nadeau provided invoices to demonstrate that he had installed a new roof on his home seven years ago and had recently invested $4,000 in an upgrade. He also furnished photos of the finished roof.

“We’ve lived in this house for 50 years and have maintained our roof in a very effective way. So to have an insurance company telling me that I’m not doing my job is a little bit annoying,” Nadeau said.

Despite his appeal to a local agent, the company upheld its decision. According to Nadeau, the agent candidly mentioned that the company was seeking reasons to discontinue homeowners’ policies in the area. Feeling like a victim of an unjust situation, Nadeau urged for consideration given their years of responsible citizenship.

Marilyn Smith lost her homeowners insurance after draining her swimming pool.
Marilyn Smith lost her homeowners insurance after draining her swimming pool.

AAA cited yet another perplexing reason for not renewing Marilyn Smith’s policy. The couple had chosen to drain their swimming pool as a water-saving measure during a drought.

“I think I was in so much shock, I couldn’t believe it,” Smith said. “I mean, we were both in shock. Because the pool is empty. What’s that got to do with canceling your home insurance?”

The decision to empty the pool came about as their grandchildren had grown up and moved away.

“We decided well, we don’t use it, you know, the kids have moved to different states… that saves us on maintenance… and then just the water, because it does evaporate, so you have to be putting water in there every couple of days… and that’s not a small little pool. Water was becoming very expensive,” Smith said.

Now, they utilize the vacant pool as a greenhouse for cultivating potted tomatoes and lettuce. However, AAA’s notice claimed that the pool exhibited “deferred maintenance.”

After receiving the surprising non-renewal notice, Smith engaged in discussions with agents who explicitly connected the rejection to the vacant pool in their Oakley backyard.

“She just flat out said because the pool was empty, Smith said. “I don’t understand what their problem is. Because you empty a pool and you’re saving on water.”

At present, Smith and her spouse utilize the unoccupied pool as a makeshift greenhouse, cultivating tomatoes and lettuce. The denial caught them completely off guard.

“I think I was in so much shock, I couldn’t believe it,” she said. 

“I mean, we were both in shock. Because the pool is empty. What’s that got to do with canceling your home insurance,” Smith continued. 

The senior homeowner shared that their decision to empty the pool was a response to the escalating expenses associated with constantly refilling it after their family members relocated.

“We decided well, we don’t use it you know, the kids have moved in different states… that saves us on maintenance,” she revealed. 

She went on to explain the escalating costs, “You have to be putting water in there every couple of days… and that’s not a small little pool. Water was becoming very expensive,” she conveyed to the news outlet.

CSAA Insurance Group, AAA’s parent company, responded: “CSAA Insurance Group has provided homeowners insurance to AAA members in Northern California for more than 40 years. Over that time, we’ve helped thousands of AAA members recover from home damage and disasters. To continue offering industry-leading insurance coverage, we must periodically evaluate our exposure to risk… CSAA Insurance Group evaluates many sources of information to assess the condition of properties we insure, including third-party proprietary aerial imagery captured by fixed-wing aircraft and satellites…”

Consumer advocate Amy Bach of United Policyholders highlighted how insurance companies are leveraging new technologies like drone surveillance to identify potential risks. “Insure tech tools are scaring insurers,” Bach said. “It’s just very easy now for them to put a customer in the discard pile based on this tech information that they’re using and buying. So far it’s not really helping the consumer.”

However, there’s a silver lining. After an extensive search, Sveen, Smith, and Nadeau managed to secure new, more affordable policies through military channels. Additionally, AAA reinstated Nadeau’s policy after reviewing the photos of his well-maintained roof.

“This unfortunate experience goes to show that keeping a pool filled is the safest and most economical option, even during a drought,” said Sabeena Hickman, president & CEO of the Pool & Hot Tub Alliance. “Unfilled pools pose many risks, including the potential for significant damage caused by pop-out or collapse, safety risks from people or animals falling into an empty pit, and now the potential to be denied homeowner’s insurance. Instead, pool owners should look for other ways to reduce their water usage like utilizing a pool cover to reduce evaporation, maintaining the filtration system, and only draining the water if there is a structural or quality concern.” To learn more about the actual water use of pools and for additional ways to conserve water, homeowners can visit www.LetsPoolTogether.com

4.8/5 - (37 votes)

Pool News coverage brought to you by Pool Magazine's own Marcus Packer. Marcus Packer is a 20 year pool industry veteran pool builder and pool service technician. In addition to being a swimming pool professional, Marcus has been a writer and long time contributor for Newsweek Magazine's home improvement section and more recently for Florida Travel + Life. Have a story idea or tip you'd like to share with Pool Magazine? Email [email protected] your story idea.

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French Diver Makes Splash After Flop At Opening of Olympic Pool

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French Diver Makes Splash After Flop At Opening of Olympic Pool

French Olympic diver, Alexis Jandard, created a memorable moment at the grand opening of Paris’s new Olympic pool, though not quite in the manner he had envisioned.

A startling video captured during the inauguration of the state-of-the-art Paris Aquatics Center on Thursday showcased the 26-year-old Olympian’s unfortunate landing on his right foot while gearing up to dive alongside two fellow athletes. Adorned in a Speedo reflecting the hues of the French flag, Jandard’s discomforting descent saw him landing on his back, ricocheting off the nearly 10-foot-high dive board, and somersaulting into the pool in a rather ungraceful manner.

The incident unfolded in front of a sizable crowd of onlookers, including French President Emmanuel Macron and various dignitaries. Jandard later displayed his scraped back on his Instagram account, maintaining a light-hearted approach to his embarrassing mishap by quipping, “For your information, my back is fine, but my ego…”

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Sharing a photo of his reddened back, courtesy of the encounter with the diving board, on Instagram Stories, Jandard assured followers of his well-being. Speaking to RMC Sport, he recounted the unexpected turn of events, stating, “I’m fine. I didn’t hurt myself; unfortunately, these things happen. It happened at a time when I wasn’t expecting it at all.”

Alexis Jandard injured his back at the inauguration of the new Olympic Pool in Paris. Photo Credit: @alexis_jandard - Instagram
Photo Credit: @alexis_jandard – Instagram

Reflecting on the incident, Jandard humorously noted, “I’ve broken boards before, but the board had never broken me before. Now it has.” Despite the hiccup, he maintained an optimistic outlook, remarking, “I would have preferred this ceremony to have gone well from A to Z. There was that little hitch. If it made people smile a little, so much the better.”

Explaining the mishap, Jandard clarified that his leg gave way upon landing but denied any slippage, emphasizing, “It’s a non-slip [board], and what’s more, the board was new, beautiful, and I think there’s still [some of] my back on the board there.”

With a silver and bronze under his belt at the 2022 and 2023 World Aquatics Championships, respectively, Jandard took the incident in stride, admitting, “It’s a shame, but it’s funny. When you take a step back, it’s funny.”

Looking ahead to the 2024 Paris Games this summer, where he is set to compete, Jandard acknowledged the inevitability of such occurrences in his sport, jesting, “These things happen,” while playfully lamenting, “It had to happen in front of the president and the whole of France. I think we chose the right moment.”

Despite being inundated with supportive messages and playful jabs, Jandard maintained a good-natured stance, urging his followers on Instagram, “Enjoy yourselves, make fun of me. I seriously deserve it!”

4.9/5 - (11 votes)

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Earthquake in Taiwan Causes Waterfall From Rooftop Pool

A massive earthquake in Taiwan transforms a rooftop pool into a waterfall. View viral footage.

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Earthquake in Taiwan Causes Waterfall From Rooftop Pool

In a harrowing turn of events, Taiwan was struck by a powerful 7.4 magnitude earthquake, leaving devastation in its wake. The quake, the strongest to hit the island in 25 years, shook the east coast of Taiwan, particularly affecting the city of Hualien and its surrounding areas. With a depth of 34.8 kilometers, the epicenter of the earthquake was located 18 kilometers south of Hualien, according to the US Geological Survey.

As rescue efforts are underway to free those trapped under rubble and debris, the toll of the disaster continues to rise. At least nine individuals have lost their lives, while over 900 others have sustained injuries. The aftermath of the earthquake has left over 100 buildings damaged, with reports of landslides and collapsed structures adding to the chaos.

The force of the quake was so immense that it caused a surreal sight—a rooftop swimming pool overflowing and cascading down the side of a building, creating an impromptu waterfall. Footage captured during the earthquake also shows the sheer force as a man inside a pool struggles to maintain balance, the water swaying violently from side to side.

Dramatic footage of the earthquake shows a rooftop pool transformed into a waterfall.

The region of Hualien County, with a population of approximately 300,000, faces immense challenges in assessing the full extent of the damage. Many inhabitants reside in remote coastal or mountain communities, making it difficult for rescue teams to reach them promptly. The precarious situation is exacerbated by the expectation of aftershocks, with 29 aftershocks greater than a magnitude of 4.0 already recorded near the epicenter.

Compounding the crisis are reports of miners trapped in two mines in Hualien, adding urgency to the rescue operations. Furthermore, over 91,000 households are grappling with power cuts, amplifying the difficulties faced by residents in the aftermath of the disaster.

Despite the widespread destruction, medical facilities in Taiwan’s capital, Taipei City, are functioning, albeit damaged. The Municipal Government has confirmed that hospitals are operating normally, providing critical care to the injured.

The international community has responded swiftly to the catastrophe, with the Biden administration monitoring the situation closely and expressing readiness to offer assistance. In the face of adversity, Taiwan is rallying its resources and resilience, demonstrating solidarity and resolve in confronting this natural disaster.

As the dust settles and the extent of the damage becomes clearer, questions arise about the effectiveness of early warning detection systems in mitigating the impact of natural disasters. Despite Taiwan’s investment in advanced seismic technology, including early warning systems designed to provide crucial seconds of alert before an earthquake strikes, many residents were caught off guard by the sudden and violent tremors. Reports indicate that the early warning detection system, while operational, did not reach a significant portion of the population in time to take preventive action

4.7/5 - (12 votes)

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Patent Pending Apple Watch SOS Feature Could Prevent Drownings

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Patent Pending Apple Watch SOS Feature Could Prevent Drownings


A forthcoming feature potentially destined for the Apple Watch, as detailed in a recent patent application, could serve as a lifesaver for swimmers at risk of drowning.

Outlined in the patent is a capability for the Watch to identify “irregular behavior” and automatically trigger a distress call for assistance.

Apple underscores the alarming statistics surrounding drowning, particularly its prevalence among children, as a leading cause of accidental fatalities.

In the United States alone, drowning claims the lives of over 3,500 individuals annually, ranking as the fifth most common form of accidental death. Tragically, a significant portion of these victims are children.

Emphasizing the critical importance of swift intervention during water emergencies, Apple highlights the dire consequences of prolonged submersion without resuscitation, which can result in brain damage and ultimately, drowning.

A Growing Need For Cost-Effective Wearable Solutions

While acknowledging existing underwater camera systems in some swimming pools aimed at detecting distressed swimmers and alerting lifeguards, Apple notes their costliness and unreliability.

Consequently, there’s a pressing need for a simpler, more cost-effective drowning prevention solution suitable for all types of water bodies, including public and private pools, as well as natural settings like lakes and ponds where installing underwater cameras is impractical.

The patent proposes leveraging wearable devices such as the Apple Watch for broader applicability, increased reliability, and the ability to detect various types of emergencies.

Alerting When Swimmers Are In Distress

For instance, if the Watch detects a wearer who is not proficient in swimming entering deeper water, it can promptly dispatch an alert instead of waiting for signs of distress.

These alerts can be transmitted to nearby devices, including those of friends and family, and seamlessly integrate with existing drowning detection and alarm systems to ensure lifeguards are promptly notified.

Apple Watches already boast capabilities to detect and respond to falls, vehicle accidents, and cardiac irregularities. Heartwarming testimonials featured in Apple’s “Dear Apple” video series show individuals whose lives were saved by these functionalities.

As with many patents from Apple, it’s important to note that not all concepts may materialize into actual products. Nonetheless, this innovation stands as a promising addition for potential integration into future watchOS updates.

5/5 - (9 votes)

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