As the weather warms, kids once again can enjoy outdoor fun. Kicking around a soccer ball or climbing on a jungle gym is fun for many, but the houses with swimming pools and trampolines often become the most coveted hangout spots in the neighborhood. Unfortunately, these two fun features are also the most dangerous, causing the homeowner’s liability risks to increase.
If you own or wish to build/buy a pool or trampoline, first check with your insurance provider. Some insurers will raise your premium or even deny you coverage if you own a trampoline. However, many insurers simply require you to install safety features to maintain your coverage for the same price. Either way, it’s in your best interest to notify your insurance provider of such backyard additions. If you don’t, any related claims can be denied due to neglect of disclosure.
How can you make these warm-weather favorites safer for children, and even pets, therefore reducing your liability risks?
The best way to minimize the risk of accidental drowning is to build a barrier, such as a gate or fence, around your pool. The gate should be self-closing and self-latching for optimal safety. Consult an industry professional to inquire about the best child-proof barriers. With a proper barrier installed, children and pets cannot enter a pool without adult assistance.
Another method is to install a pool or spa cover. This type of barrier rests over the water’s surface and can be easily rolled back by hand or by a motor.
The best way to minimize the risk of injury while jumping is to enforce trampoline rules. Allow only one jumper, over the age of six, at a time. Discourage roughhousing or flips while on the trampoline. Keep children and pets away from the trampoline while in use, as they could get injured if they crawl underneath a jumper.
To enhance safety, ensure that all springs, hooks and the frame are completely covered by a thick layer of padding. If desired, you can also install netting around the perimeter of the trampoline to prevent falls.
Whether you have a swimming pool or trampoline (or both), it’s important to always supervise children as they play.
Do you have enough liability coverage for springtime activities? Call Raymond Longoria Insurance at (956) 581-1034 for more information on home insurance in Laredo.