For homeowners who have the space, a tennis or basketball court is the perfect way to maintain an active lifestyle within the comforts of your home. While your home itself is covered for common risks, do your sports courts receive the same protection under the same policy for residential claims?
The key factor to determining protection for your sports courts is where the courts are built. If a court is physically inside your home, then it is definitely insured by nearly all homeowner’s policies. If a court is outside your home, but still on your property, then it is still covered. However, some sports courts (especially outdoor courts) are subject to a different type of coverage called “Actual Cash Value” coverage. This means the courts replacement value changes over time as the court is naturally aged by time and weather. So if your court is 10 years old when it is damaged or destroyed, the replacement value is likely to be far lower than if it were to be damaged or destroyed after only 2 years of existing.
As with all other claim types, it is important to assess the damages with a public adjuster so that everything is properly cited. This includes photographic documentation to compare to pre-damage images.
Call our Public Adjusters today and we can help you interpret your insurance policy. To save yourself time and increase the payout of your Sports Courts Damage Claim, contact us today.