Inground pool is covered by State Farm Ins. Over the winter we have lost all water and assume our liner has a leak. How can I best approach a claim fo

Homeowner insurance does cover damages to a swimming pool. However, there must be sudden and accidental damage to the pool for the insurance policy to respond.Sudden and accidental may seem vague, but it sounds like there may have been earth movement of some kind that punctured the liner. Earth movement is not covered by the homeowner insurance policy.Before submitting a claim, which could end up costing you the loss of a claim free discount, ask the repair company if they can determine what caused the damage to the liner. You can talk to your insurance agent, but say you are not presenting a claim. You also need to consider your deductible on the policy. The cost of the water may or may not be covered, so figure the cost of the water when determining just how much you may receive if you file a claim.