Before you talk to anyone from an insurance company, focus on steps that protect your health and your claim:
- Get medical care right away (especially for head injuries, breathing problems, or near-drowning).
- Ask to preserve incident reports and surveillance while the property manager or homeowner still has access.
- Document what you can safely: photos of the deck surface, ladder/handrail condition, gate closure, posted pool rules, and the general layout.
- Write down a timeline while it’s fresh—how the pool was being used, who was present, and what you noticed before the injury.
- Don’t rush recorded statements. Early statements can be used to dispute fault or minimize the seriousness of injuries.
These actions matter in Traverse City because many pool-related incidents occur at properties that turn over frequently (seasonal rentals, cottages, and short-term stays), which increases the risk that evidence will be overwritten or removed.


