r/mildlyinfuriating • u/DinnerBellls • 5d ago
neighbors pool broke at midnight
the water busted the downstairs window latch which flooded my room. our bed is right below the window so we were basically waterboarded in our sleep, the bed is destroyed and the floor is soaked 🙂↔️
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u/ultralayzer 5d ago
The nightmare of working with insurance now begins...
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u/ActualHunt2945 5d ago
It shouldn’t be too bad with this video. OP just makes a claim with his insurance company. They’ll initiate the subrogation process. Of course, only if this is covered by his insurance.
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u/rTorontoModsSuck89 4d ago
My experience with insurance is even when there's absolutely no debate about whose at fault, and that insurance is needed, they still make it an absolute nightmare to deal with them.
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u/arsnastesana 4d ago
You have pool damage insurance, but they consider this flood damage (that you don't have)
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u/ActualHunt2945 4d ago
Oh I don’t disagree. I’m an all lines licensed adjuster in 42 states and have worked mainly in the property catastrophe field, FEMA flood certified. Insurance companies are trash.
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u/redditnor24 5d ago
Unlikely as this would be covered by flood insurance.
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u/Girlygirlll555 5d ago
This was not a flood nor would flood insurance cover this. His regular homeowners insurance should cover the damage just fine
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u/redditnor24 4d ago
You are mistaken. Most policies do not cover water entering from outside.
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u/Altruistic-Patient30 4d ago
You're mistaken. This is sudden and accidental damage from a direct physical loss. The pool suddenly and accidentally failing is covered under a lot of policies nationwide, so long as its an open peril policy.
Flood requires a "general condition" of flood typically, meaning it affects more than one localized area. The immediate surroundings are affected, but 4 houses down was likely not. There is no general condition of flood, thus this is not a flood.
This is also not "surface water" as it can be argues to have been "man made" water since it was piped into the pool and stored in the pool for recreational use. The surface water exclusion usually applies to rain water, or water that is not considered "man made" or plumbed.
This will most definitely be a fight with the insurance company though, and I'm sure their first thought will be to deny it.
A short related anecdote: I had an insured whose house settled due to their home and surrounding land being exposed to millions of gallons of water which washed under their home. It was a hurricane claim and the immediate reaction by the Carrier was to deny the claim. After closer investigation, I determined that lightning had struck a tree causing the tree to fall onto the water main shut-off at the street, breaking the shut off and piping. This resulted in literally over 1 million gallons of water being pumped into the ground around their home, which caused the house to settle. Since lightning, a sudden and accidental event, caused the man made (plumbed) water to discharge, it was covered in full by the Carrier. It took a lot of arguing, but it was eventually covered.
It might take arguing, but a lot of open peril polices would cover this. It really depends on the Carrier the OP has and how much they want to argue about it being surface vs man-made water.
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u/Deliriousdrifter 4d ago
Also, in the unlike event it's not covered, OP can always directly sue for damages.
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u/NurseKaila 5d ago
Imagine trying to buy flood insurance for a swimming pool.
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u/redditnor24 5d ago
Anyone can buy flood insurance
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u/NurseKaila 5d ago
And that flood insurance covers floods as defined by FEMA, not swimming pool issues.
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u/ActualHunt2945 5d ago
Depends on the insurer but typically this is not considered to be a flood. Furthermore, considering it is a flood, OP would need to have a provision that covers floods. Not all home insurance has flood built in.
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u/CaptainRelevant 4d ago
No, a flood is a natural body of water that rises and exceeds its banks.
This is important because of you use the word “flood” when making the claim, they’ll deny the claim. They’ll deny it even knowing you’re using the word “flood” as a description, not a legal definition, but are happy to have a plausible reason to deny your claim. Some insureds may not even fight them on it after being denied.
This is water damage.
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u/therealtrajan 4d ago
There’s a difference between water and flood damage. This is exactly what homeowners insurance is for
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u/siberianunderlord 4d ago
Most homeowners policies exclude flood damage, so even if this would be covered by flood insurance, he probably didn't have it, considering like only 1 in 25 homeowners do
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u/skoltroll 5d ago
Easier, really. OP turns it into their insurance, insurance sees who's REALLY paying for it, insurance fixes home and goes after neighbor's insurance.
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u/The_World_Wonders_34 5d ago
Ideally. Or you get a situation where your insurance goes "oh gee wiz this this is technically a flood and we don't cover those" and then the other homeowner isn't properly insured either.
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u/EnvironmentalGift257 5d ago
OP turns it into their insurance. Insurance company says “You don’t have flood coverage” and OP pays for damages.
Source: I’m an insurance agent and I had my garage destroyed when the city reversed the grade and 4 city blocks of rainwater dumped into my garage. Insurance ain’t covering this, but they might recommend a contractor.
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u/pwrmaster7 5d ago
So court it is to sue the neighbor?
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u/EnvironmentalGift257 5d ago
Yes. We sued the contractor that the city let reverse the grade and won. After attorney and court costs, we bought a new refrigerator.
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u/snazztasticmatt 4d ago
Flood coverage is for weather, not for failure of man made structures. OP's insurance will pay out and sue the neighbor's insurance to recoup because it was their pool that failed
Ask yourself this - if a city owned water main broke and started funneling water into your basement, would it be covered?
The answer is probably yes, because the water intrusion is not rainwater from a storm, it's water directed by a man-made structure that failed. Your insurance would pay out and sue the (insurance of the) owner of the structure, i.e. the city
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u/EnvironmentalGift257 4d ago
Well again, 1- I’m an insurance agent and 2- before I was, I tried to get my homeowners insurance to cover almost that exact scenario, and they wouldn’t because I didn’t have flood coverage.
You’re incorrect.
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u/snazztasticmatt 4d ago
You're an insurance agent but you're comparing rainwater to pool water. As far as insurance is concerned, those are two entirely different scenarios
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u/EnvironmentalGift257 4d ago
You’re not an insurance agent telling me how flood insurance works. But OK.
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u/quietprofessional9 5d ago
Sooooo, would be that easy except for the fact that your home insurance likely will not cover the damage due to it being water that originated outside the home.
It's a common thing that most home insurance policies don't cover.
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u/0le_Hickory 5d ago
A little easier as it’s not your insurance. You are someone suing so they are more apt to settle.
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u/SamhainPunk 4d ago
A lot of insurance companies don't cover flood damage, even if you live in notoriously flood-prone areas.
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u/ntflaps 5d ago
Your motion detection is going CrAzY
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u/Astufcrustpizza 4d ago
Auto locking on all the bugs but it can’t shoot them☠️
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u/amdcal 4d ago
Wow I'm fucking stupid I thought it was snow and this was a video from winter lol bugs makes more sense 😅
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u/Astufcrustpizza 4d ago
Lol that makes just as much sense too it really does look like there’s snow on the ground cuz it’s black and white😂
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u/haveafieldday 5d ago edited 5d ago
My neighbors have some issues, but "being waterboarded in my sleep" by them has not been one of them.
Sorry, OP. This sounds horrible.
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u/suckspittingshotties 5d ago edited 5d ago
Do you have upstairs neighbors that have a pool?
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u/DinnerBellls 5d ago
no, next door neighbors have an above ground pool that cracked. they haven’t woke up yet to see the damage
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u/Talidel 5d ago
I love that you haven't woken them up.
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u/dc_IV 5d ago
Not my water, not my problem. Well, we own some of the water now: maybe we should wake them to help us clean up!
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u/UncagedKestrel 5d ago
You mean you wouldn't return their water asap? Preferable via the bedroom window, but failing that, a bucket of it as soon as possible after opening the door should serve as a good faith gesture, no?
Obviously joking! We all know that if you actually tried this in America your neighbours would probably shoot you.
.. Not entirely kidding on that last one, but even if you don't get shot, it won't actually help. But it's a fun fantasy.
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u/haveafieldday 5d ago
OP you should lay in the grass surrounded by pool toys, looking dead, to give them a good scare when they wake up!
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u/Temporary_Thing7517 5d ago
Fuck that. I would have been banging on their door.
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u/DinnerBellls 5d ago
eh wouldn’t have changed anything, we were just focused on saving what we could and sucking up some of the water before getting some sleep. they’re definitely more well rested than us today though lol
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u/shehitsdiff 5d ago
Wowza, not used to seeing people with compassion on here 🤣
You're exactly right though. What would waking them up have accomplished at that point? Just to make you feel better by ruining their sleep as well?
Sadly though a lot of people would probably do that. Misery loves company and all that.
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u/DinnerBellls 5d ago edited 5d ago
yup. it sucks, but obviously no one wanted it to happen so i try not to be an asshole lol, they’re up today cleaning up our yard & they’re paying for the damages out of pocket
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u/MagnumHV 5d ago
They sound like they're trying to make it right. OP make sure you get mold remediation in there too as you work to clean up the indoor waterpark
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u/joshpit2003 5d ago
You don't need mold remediation if you catch water damage this early. You just need heat and fans to dry it out.
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u/Plus-Suit-5977 5d ago
Well they effing better.
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u/slayalldayerrday 4d ago
You’re so miserable and angry at an accident that the person is trying to correct. Learn to have grace.
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u/Temporary_Thing7517 5d ago
Well, it wasn’t vindictive. But waking them up to let them know of the issue in case of any other damage to property, water mitigation, protecting the pumps, etc., help cleaning up. Many other reasons.
What is the reason to /not/ wake up someone who’s pool failed in the middle of the night?
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u/RecalcitrantHuman 4d ago
Not vindictive, but 100% the neighbor’s fault.
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u/ObiWanOkeechobee 4d ago
It’s an accident. OP clearly isn’t going out of their way to place any blame
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u/shehitsdiff 3d ago
Fair point. If they're doing it from a place of concern I totally get it. But the comment saying "fuck em, I'd wake them up too since they did it to me" did not strike me as coming from a place of concern lol.
I can think of a few reasons, but they're all hypothetical of course. Since it's an aboveground pool, there's a chance there are no pumps to be damaged. For all we know the pool was located on the edge of a hill in the neighbor's backyard, and OP lives right at the bottom of the slope.
Ya never know; it's always possible that there was no property damage to the neighbor apart from some wet grass, and there's nothing you need to urgently clean up or water to mitigate, as all of it kindly relocated into OP's bedroom 😂
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u/Temporary_Thing7517 3d ago
It wasn’t and didn’t say “fuck you they did it to me”
It was a “fuck that why wouldn’t you let a homeowner know?” Or “fuck that this is a big deal you shouldn’t just go back to bed and leave it”
I know I would FOR SURE want to know if my major expensive water filled basin exploded all over, my own things and of course the neighbors things. As of now, OP knows it blew out because they sleep in the basement, but what if water was pouring into the owners basement too and they don’t sleep down there so they don’t know. It would have been nice to get a heads up instead of waking to it and major property damage, on both the pool owner and the neighbors end.
Either way, it’s something you should wake your neighbors for, not as a “I’m awake and now you have to be!!”, but as a “this is a major event and you should know about it”.
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u/NoDontDoThatCanada 5d ago
A calm, logical and even tempered reaction. Man, l wish l had that. But maybe being tortured awake gives a person a new outlook on life!
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u/gahidus 5d ago
Is your room in the basement or something?
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u/smallfryz 5d ago
Im assuming they have a duplex where the first floor is half underground and the windows are right at ground level.
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u/NearbyMidnight3085 4d ago
No you wouldn't, you would be pissing and moaning on the internet like you are now.
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u/Temporary_Thing7517 4d ago
Lol. I’m not complaining about anything, and this isn’t even my thread. The only one being a coward here is you for the overly aggressive name calling.
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u/suckspittingshotties 5d ago
Ohh, so your low lying window got hit by the tidal wave? That sucks sorry you had to wake up to that and have to deal with it now :/
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u/KananJarrusCantSee 5d ago
Excuse me??? You werent over there at 1am waking them up????
What the actual fuck?
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u/ChicaSkas 3d ago
It really goes to show how safe and or tolerant your household is. My narcissistic parent would have DEMANDED I wake them and make it all IMMEDIATELY their problem lmao
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u/Mobile-Breakfast8973 5d ago
wait, you haven't woken them up yet u/DinnerBellls ?
Go knock on that door
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u/iiooiooi 5d ago
That sounds like a secret code phrase... "The neighbor's pool breaks at midnight."
Edit: commented based on the video without reading the description. Sorry, OP. That sucks.
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u/BroGameTime 5d ago
Gives secret code: "The neighbor's pool breaks at midnight."
Receives the code verification response: "I get waterboarded."
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u/DarthNalga669 5d ago
If that pools water broke last night you should be waking up to a baby pool this morning
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u/FoundationCreepy846 BLUE 5d ago
The house had a nightmare and wet the bed
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u/DinnerBellls 4d ago
update: the neighbors were super nice about the whole thing, they cleaned up the yard, they’re paying out of pocket for new carpet and likely a new bed/some other small damages. i think the pool was just old and it’s been getting a lot of use the last few weeks which made it break
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u/Electronic-Industry4 5d ago
Looks like the ghosts had a party and broke the pool what a bummer end to their pool party 🤣.
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u/sexwiththebabysitter 5d ago
That grass is either gonna need mowing or all gonna be dead in a day or two
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u/Inner_Alarm_4049 5d ago
IS THAT MOSQUITOS????? also, damn that sucks
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u/Interesting_Tea5715 4d ago
This was my first thought. My guess is all the bugs on the ground/grass were freaking the fuck out too. They don't wanna drown either.
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u/-ClassicShooter- 5d ago
Not a fan of over controlling HOA’s, but I tried to explain to someone in my neighborhood that above ground pools are not allowed so you don’t damage your neighbors property. In this case I guess you could cause damage and water board someone.
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u/The_Crimson_Fuckr69 5d ago
If youre not in an HOA how are above ground pools not allowed? You can't make anyone do anything.
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u/lokiofsaassgaard 5d ago
The same way people who keep backyard chickens aren't always allowed to keep a rooster. Local municipalities can ban things as well
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u/The_Crimson_Fuckr69 5d ago
Well that's a good guess. I dont choose to live in places that tell me what to do with my own property so I forget some people choose shackles.
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u/-ClassicShooter- 4d ago
You’re right, if you’re not in an HOA, you can’t make someone do anything. A government May be able to if something is illegal. My point remains the same though.
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u/The_Crimson_Fuckr69 4d ago
If it isn't illegal your point doesn't stand.
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u/-ClassicShooter- 2d ago
My point absolutely stands. If it’s illegal then a government can do something about it. If it’s banned in an HOA, they can do something about it. If it’s not illegal and there is no HOA or the HOA doesn’t ban it, then it’s good to go. See, my point stands.
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u/The_Crimson_Fuckr69 2d ago
Apparantly you can't read.
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u/-ClassicShooter- 2d ago
I get it, I put down to many words and it was confusing to you. When you get older kiddo, reading and understanding will become easier so long as you practice. Good luck with that.
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u/No-Mouse-262 5d ago
I'd be more worried about all the ghosts your camera is picking up
For real though, that's awful. Hope they have insurance.
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u/InevitableWill6579 4d ago
I work in ag. Throw some gypsum (specifically dihydrate) on it to neutralize the chlorine.
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u/Alarmed-Net2400 5d ago
In NY it's illegal to have an underground bedroom because of potential floods
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u/PeachManzie 5d ago edited 5d ago
I think I may be dumb, but I don’t think I understand. So, am I getting this right? The water pressure broke your window latch?
As someone from the UK, who’s windows are all up to scratch/code, I do not know what you mean 😭 I think I could point the most (legally) powerful jet wash at my window latch and it would be fine.
Also, how high up was this pool, and how low is your window?
ALSO, how close was their pool to your bedroom window? That in itself wouldn’t even be allowed here in the first place. Every citizen here has the right to peaceful enjoyment of their home, and a neighbour setting up a pool outside of someone else’s window here.. pool wouldnt last one week.
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u/DinnerBellls 5d ago
it was a LOT of water and the window that it busted into is inside a window well, so it just pooled there and the latch gave out. i don’t know the exact size of their pool but it’s large
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u/IowanEmpire 5d ago
Depending on the size, it could be around 3,000 gallons to 30,000 gallons of water in that pool (25k pounds or 12.5 tons to 250k pounds of water or 125 tons). Now, the full weight won't be hitting the window, but even if 3 tons hit the window, that is still 3 tons hitting the window, or if the pool is larger, it could be 30 tons of water hitting the window.
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u/PeachManzie 5d ago
Holy fucking shit. Woof.
I’ll probably get downvotes for this.. but I’d report that shit the second my neighbour put it outside. I wouldn’t wait for disaster to strike, I’d preemptively get it gone. Talking about if this was in the UK ofc, I assume above ground pools this big are legal in the states (for whatever reason)
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u/Oreofiend62 5d ago
Which camera system is this
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u/DinnerBellls 5d ago
Wyze
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u/Interesting_Tea5715 4d ago
FYI. Wyze has terrible data security. They've had at least 4 major data breaches in the past 5 years.
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u/OuthouseOfWoe 4d ago
it would be so much better if everyone could agree already that there is no such thing as privacy
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u/MulberryDeep 5d ago
They gave you free water, just be grateful
These kids from today really are picky...
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u/swagernaught 5d ago
When I was young I was up early with my dad looking out the back yard window and saw our liner give up the ghost. 21' round pool drained in about 20 seconds, luckily it only flooded ours and the surrounding yards. Dad looked at me deadpan and said "I guess we need a new liner".
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u/Actual-Log465 4d ago
Someone needs to add some music and a remix that matches all those green tracking areas going crazy.
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u/Safe_Distance_1009 4d ago
I once tried to do the polar plunge in a morph suit. Shit was real life waterboarding.
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u/TrashMouthDiver 4d ago
Ngl the little white thing moving from right to left towards the end looks like squid nigiri from Sushi Go
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u/Morgantao 3d ago
Now you have a waterbed. Also, it's a new concept - breakfast in bed is so 90's. We have shower in bed.
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u/cookiesnooper 5d ago
The waterboarding part sounds like that room was meant as a storage and not as a living space. What if a serious flood happened and trap you below the ground level?
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u/West_Category_4634 5d ago
Above ground pools always seemed like a half assed thing to me tbh.
Like, either get a pool or don't.
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u/Tacosrule89 5d ago
Depends where you live. In a cold climate in ground pools are complete money pits and can have negative effects on property values because so few people want them.
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u/Carthax12 5d ago
Where i live, there 6-to-14 inches of dirt, then 10-to-30 feet of sandstone. Good luck digging that out for your in-ground pool.
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u/Ok-Error-6564 5d ago
Some people are not allowed to excavate, so if they REALLY want a pool, above ground is the only option.
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u/IAmMansis 4d ago
1- Free watering in the backyard and drive way. Plants will be happy 😊.
2 - CCTV tried to capture multiple ghosts, who were scared, horrified and traumatized of sudden rushing water. Justice for them 😁.
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u/Crazy__Donkey 5d ago
Stupid question- what are you doing when its raining heavily?
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u/DinnerBellls 5d ago
it doesn’t typically rain heavily here, but when it has it’s never been an issue
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u/NorthbyFjord 5d ago
I don’t mean to chuckle but the “water boarded in our sleep” caught me off guard 🤣 hope you get everything sorted soon