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BrettH3 (South Carolina)
Posts: 47
Posted:
Is there any HOA risk if a homeowner wants to bring in a private swim instructor for their children and use the HOA pool?
MrTexaS1 (Texas)
Posts: 25
Posted:
What I would do based on what know and believe right now:

1) I'm less worried about a swim instructor than the party crowd who invites themselves to my HOA's pools. People learning to swim are less likely to drown and cause their families to sue the HOA. Swimming instructors sound like a good thing to me!

2) I have a "minimum necessary rules that have a matching enforcement system" philosophy. Is this rule necessary? Do we have a system to enforce it? If the answer to either of those questions is no I'm voting against the rule. And "relying on members to call in violations" is not a system of rule enforcement .

3) Read the liability insurance policy for the association. Does it say anything about swim instructors? If it doesn't specifically mention instructors then the instructor is a guest. Does the policy put any restrictions on guests- then that's the rule - and what is our system to enforce it?

Change my mind if I'm wrong!
TimB4 (Tennessee)
Posts: 21,059
Posted:
Expecting that the swim instructor would be considered a guest of the member AND is not providing lessons to all, I don't see an issue.
MarkM19 (Texas)
Posts: 1,459
Posted:
This has happened over the years in our HOA, and we try and stop it whenever we find out about it. The boards job is to act as Fiduciaries on all HOA matters. This is a major liability for several reasons. Is the person licensed to instruct? Who gets sued if an accident happens? Our pool says that everyone swims at their own risk but by allowing this instructor access to our pool are we also responsible? Is this instructor trained in Life saving measures? Who checks for all the certifications?

IMO this is a benefit for 1 owner at the risk of all owners in your HOA.
SheliaH (Indiana)
Posts: 6,964
Posted:
There really isn’t a difference between a parent teaching his/her child to swim in the pool vs. paying someone to do it – the only way you know the person is being paid is if he/she (or the child or the parent) said something. The instructor is there for THAT child, not everyone else., so I get Tim's point. I also see the possibility of things getting out of hand if this instructor tries to recruit more kids and then the pool is monopolized by people taking swim lessons - which increases the risks Mark mentioned.

That said, I think you can leave it alone for now, although it might be helpful to have a word with the parents to make sure they aren't trying to take advantage (thus risking their privileges being suspended.) If there's an indication the instructor is trying to use your pool as a side business, have a word with him/her as well - and ban them if they don't listen up.

If it is not right do not do it; if it is not true do not say it. Marcus Aurelius
ElleN (Idaho)
Posts: 1,333
Posted:
Quote:
Posted By TimB4 on 05/19/2026, 4:54 AM

Expecting that the swim instructor would be considered a guest of the member AND is not providing lessons to all, I don't see an issue.

So far, I agree. The instructor is a guest of the HOA member. I see no foul.
KellyM3 (North Carolina)
Posts: 2,239
Posted:
Quote:
Posted By TimB4 on 05/19/2026, 6:54 AM

Expecting that the swim instructor would be considered a guest of the member AND is not providing lessons to all, I don't see an issue.

I agree with Tim. The owner can bring a guest. If grandma or Big Brother can help the kid swim, it's equal "liability" on the HOA.

If you're on the HOA board, you have bigger fish to fry.
MarkM19 (Texas)
Posts: 1,459
Posted:
Just to Clarify my case a little bit. The person in our case was advertising and opening the gate for her clients when they came in for lessons. The owner gave this person her Key fob while she was not present which violates our rules.

I agree with EllN and Kelly if it is a single person helping mom or dad teach a kid how to swim. I do not think it is wise to allow a person to run a business out of an HOA pool when they are not even an owner.

There is always a lot, boards do not know that goes on in our pools and I personally do not go to the pool because as the president of our HOA if I see something and do not take action I am not doing my job and if I do correct something I am a Jerk. We tend to only get involved when someone brings things to our attention. This is why I always remind our owners at meetings that we have cameras but so do they. If they see something they shaould record it and we can take the information and decide what happens next.
ElleN (Idaho)
Posts: 1,333
Posted:
I agree with Mark that the (guest) swim instructor has to follow the rules like any other guest.

Having possession of a key fob for the pool and admitting people, while a mere guest, is unacceptable.
MrTexaS1 (Texas)
Posts: 25
Posted:
Quote:
Posted By MarkM19 on 05/19/2026, 7:35 PM

.... I personally do not go to the pool because as the president of our HOA if I see something and do not take action I am not doing my job and if I do correct something I am a Jerk....

Mark there must be a happy way to take action without being perceived as a jerk. What if your action - on observing a rule violation at the pool- was simply to document it and present it to the board for the board to take united action? This would avoid any contention the day you are at the pool, so you can enjoy your property, and the board can discuss and organize a smarter system of management to discourage or prevent the thing that is out of order.
MarkM19 (Texas)
Posts: 1,459
Posted:
Mr T,
In theory that would work and since we live in a large 1450+ SFH community not as many as you would think know me personally. I just know and understand the rules and many of them are minor such as drinking out of a Yeti cup while in the Pool or running around the pool perimeter. Both of these things are just a example of the many rules that are really in place but hardly ever enforced. We do have a pool monitor who is onsite most of the summer hours and they all know who I am and I have had instances when they come ask me what they should do about issues which puts me directly involved.

Back in my Ca. days I had monitors who would call me on the phone and say Mark what should I do about this guy who is yelling at me and he wants to talk to you. That happened several times before I put a stop to that. We have a social person who manages our pool monitoring company, and she does a great job of training and handling issues. It is just easier to not go unless it is a large event and a few board members are all attending.
BillD16 (Texas)
Posts: 971
Posted:
Quote:
Posted By MrTexaS1 on 05/20/2026, 2:43 PM


--------------------------------------
Quoted Post:
Posted By MarkM19 on 05/19/2026

, 7:35 PM

.... I personally do not go to the pool because as the president of our HOA if I see something and do not take action I am not doing my job and if I do correct something I am a Jerk....
--------------------------------------

Mark there must be a happy way to take action without being perceived as a jerk. What if your action - on observing a rule violation at the pool- was simply to document it and present it to the board for the board to take united action? This would avoid any contention the day you are at the pool, so you can enjoy your property, and the board can discuss and organize a smarter system of management to discourage or prevent the thing that is out of order.

Pool Chair. As Shelia put it, it’s “the job that eats your soul.*

When I was doing it, I would dutifully write up each incident: “the ___ family broke into the pool at 11pm and had a 30 person party with food and alcohol.” “Mr. & Mrs. ___ greeted the LGs with “are you the pool nazis?” and “will you save me if I’m drowning?” and vulgar language.” “A group of young tenants broke into the pool at 3am and had a party with liquor and glass bottles, which ended when one young woman vomited explosively on the pool deck.” “Mr. ___ challenged a LG and was asked to leave. Instead, he got in her face and wouldn’t leave and she called 911. Mr. ___ claimed to be the victim of racism and prejudice.” I have more: the woman who ordered our pool contractor around like he was her personal servant “fetch me that hose!”. The fellow on the landscaping crew who would teach ‘girlfriends’ how to break into the pool. The woman who brought her 8yo? son to the pool, sat and played with her phone while the boy turned each and every chair upside down, then they left without a second glance at the now inverted chairs. At least a couple of instances of a ‘failed swim diaper’ where the parent attempted to sleaze on out without being detected. I say “at least a couple” because these are only the incidents I’m aware of.

Each was dutifully reported to the Board, who refused to take any action. “We should be kind …” No. You should go clean up that vomit from last night.

If there’s a moral to the story, it is: make sure the Board is backing your efforts. And if you discover that they aren’t: quit the gig.

HOA Board ex-President
Austin, Texas USA

“You can’t put too much water in a nuclear reactor”
MichaelS56 (Minnesota)
Posts: 858
Posted:
Check with HOA Bylaws and CC&R's to determine if they prohibit running a commercial business or operating paid swimming lessons on the property. Reach out to the Board if the business received written permission to run this business. Ask the board if they received a copy of liability insurance that would also name the HOA as an additional insured party. Make sure that this commercial business follows the pool rules.

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