Swimming pool accident or drowning: what families can do next
We are sorry you are reading this. After a pool accident, get medical care, then save what shows how it happened: the gate, the fence, the drain and any video. Owners, managers or pool companies may be responsible. Arizona and Texas allow two years to sue private owners, but government pools have short notice deadlines.
Last checked November 9, 2026 · Official sources (33)

What should families know after a pool accident?
CPSC estimates about 5,900 children under 15 go to an emergency room each year after a pool or spa drowning injury, and reports about 376 drowning deaths a year in that age group. Children under 5 are most of the injuries. For children ages 1 to 4, drowning is the leading cause of death. Across all ages, CDC counts about 4,083 deaths a year.
A person who survives may still have serious harm. CDC says nonfatal drowning can lead to brain damage or permanent disability. Please keep every follow-up visit, even if your child seems fine at first. If you lost someone, you do not need to decide anything today. Some of what follows can wait a few weeks. The evidence part cannot.
What should I do first after a drowning or pool injury?
- Get medical care. Water in the lungs can cause problems hours later.
- Call 911 and make sure a police or fire report is written.
- Ask someone you trust to photograph the gate, the latch, the fence, any gaps, the drain, the depth markers and the rescue equipment.
- Write down who was watching, who the owner or manager is, and any lifeguard's name.
- Ask the property in writing to save its video and its pool records.
- Keep the swimsuit and any items from that day.
- Do not sign forms or give a statement to the property's insurer yet.

Who is responsible for a swimming pool accident?
| Where it happened | Who may be responsible | Insurance that may apply |
|---|---|---|
| A neighbor or friend's home | The homeowner or renter | Homeowners or renters policy |
| An apartment complex | The owner, manager or pool company | The owner's commercial liability policy |
| An HOA or condo pool | The association, or its pool contractor | The association's liability policy |
| A hotel or resort | The hotel or its management company | Commercial liability policy |
| A swim school or camp | The school, its staff or the property | Business liability policy |
| A city pool or public water park | A city, county or district | A government claim with a short deadline |
| A bad drain, ladder or slide | The maker, installer or repair company | Product or contractor coverage |
Fault depends on the facts. A broken gate latch, a missing barrier, no staff at a pool that required them, a loose drain cover or chemicals handled wrong can all matter. A pool owner is not automatically responsible because something happened in the water.
What about pool drains and the Virginia Graeme Baker Act?
A strong drain can hold a person underwater or injure them. The federal Virginia Graeme Baker Pool and Spa Safety Act requires drain covers sold in the United States to meet an entrapment standard.
Public pools with a single main drain that can be blocked also need added protection. If a drain was involved, do not let anyone remove or replace the cover. Photograph it. A cover that is missing, broken or the wrong size can be central to the case.
What pool evidence disappears first?
| Proof | How it gets lost | What to do |
|---|---|---|
| Security video | Often written over within days | Ask in writing right away |
| Gate latch or fence | Fixed the next day | Photograph before repairs |
| Drain cover | Replaced quietly after an accident | Demand that it be kept |
| Water tests and staff logs | Discarded or changed | Ask the health department for inspection records |
| Texas public pool lifeguard records | Kept only three years | Request early |
Can I sue if a child got into a neighbor's pool?
Sometimes. A child who wanders onto someone's property is not treated like an adult trespasser in every case. Texas law says an owner may be liable for injury to a child caused by a highly dangerous artificial condition on the land, if certain conditions are met.
Arizona's recreational use law says it does not limit liability for maintaining an attractive nuisance, with limited exceptions. Whether a pool meets these tests depends on the barrier, the child's age and what the owner knew. Courts look closely at this.
What are the pool fence laws in Arizona and Texas?
| Rule | Arizona | Texas |
|---|---|---|
| Who the state law covers | Many home pools, but not public pools, homes where all residents are at least 6, or older pools built before the law | Apartment complexes and property owners associations |
| Fence height | At least 5 feet | At least 48 inches |
| Gates | Self-closing, self-latching, latch at least 54 inches high | Self-closing and self-latching device |
| Notice to buyers and renters | Safety notice required | Not part of this chapter |
| Enforcing the rule | Local enforcement; check your city | A tenant, member or other person can sue for failure to comply |
| Deadline to sue a private owner | 2 years | 2 years |
| If the injured person is a child | Time does not run while a minor | Time does not count while a minor |
| Claim against a government pool | File within 180 days, with a minor rule, and sue within 1 year | Notice within 6 months |
| City pool money limit | Ask, because limits can vary | City pools are a governmental function with a limit of $250,000 per person and $500,000 per occurrence |
Arizona cities can adopt their own equal or stricter ordinance, so check your city code too. In Texas, this statewide chapter does not reach a single-family home, so check your city's code as well.
Do not rely on a child's longer time limit without asking a lawyer, because evidence fades and a parent's own claim may have a shorter clock. If someone died, Arizona says the claim may be brought by a surviving spouse, child, parent or guardian, or a personal representative.
How much is a drowning or pool injury case worth?
No official average exists, and no one can fairly name a number without knowing the injury. A claim can include hospital care, rehab, future medical needs, the loss of earning ability, and pain and suffering. For a family who lost someone, it can include the grief and loss the law allows.
The amount depends on the injury, who was responsible, and the insurance available. Many cases take a year or more, and cases involving a child with a brain injury can take longer because doctors need time to understand what the future holds.
When should we talk to a swimming pool accident lawyer?
As soon as you feel able, and sooner if a public pool or a drain was involved. A lawyer can ask for video and records while you take care of your family. Ask whether they have handled drowning or premises cases, how they will preserve the evidence, and whether the review is free.
What mistakes hurt a pool accident claim?
- Assuming video will still be there next month.
- Letting the property replace the gate or drain cover before photos.
- Thinking a homeowners policy will not apply to a guest.
- Missing a 180-day or six-month public claim deadline.
- Skipping follow-up care after a near drowning.
- Talking to the insurer before you have had time to grieve or get advice.
Questions
How high does a pool fence have to be in Arizona?
At least five feet, with exceptions.
How high does a pool fence have to be in Texas?
At least 48 inches for apartment complexes and property owners associations.
Who is responsible if a child drowns at an apartment pool?
It may be the owner, the manager or a pool company, depending on what failed. Federal and state rules on drains and barriers can matter.
How long do I have to file a claim for a child's injury?
Time does not count while the person is a minor in Arizona or Texas for many claims. Government claims have their own rules.
What is the Virginia Graeme Baker Act?
A federal law on pool safety that sets anti-entrapment standards for drain covers.
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See if I’m owed moneySources (33)
- A.R.S. 12-542, checked 2026-11-09. “there shall be commenced and prosecuted within two years after the cause of action accrues”
- Tex. Civ. Prac. & Rem. Code 16.003, checked 2026-11-09. “not later than two years after the day the cause of action accrues”
- A.R.S. 12-821.01, checked 2026-11-09. “within one hundred eighty days after the cause of action accrues”
- Tex. Civ. Prac. & Rem. Code 101.101, checked 2026-11-09. “not later than six months after the day that the incident giving rise to the claim occurred”
- A.R.S. 36-1681, checked 2026-11-09. “Be entirely enclosed by at least a five foot wall, fence or other barrier”
- A.R.S. 36-1681, checked 2026-11-09. “A residence in which all residents are at least six years of age.”
- Tex. Health & Safety Code 757.002, checked 2026-11-09. “a pool owned, controlled, or maintained by the owner of a multiunit rental complex or by a property owners association”
- Tex. Health & Safety Code 757.003, checked 2026-11-09. “The height of the pool yard enclosure must be at least 48 inches as measured from the ground on the side away from the pool.”
- 15 U.S.C. 8003, checked 2026-11-09. “each swimming pool or spa drain cover manufactured, distributed, or entered into commerce in the United States shall conform to the entrapment protection standards”
- CPSC 2026 Pool or Spa Submersion report, checked 2026-11-09. “There were, on average, an estimated 5,900 pool- or spa-related, hospital emergency department (ED)-treated, nonfatal drowning injuries each year for 2023 through 2025”
- CPSC 2026 Pool or Spa Submersion report, checked 2026-11-09. “376 pool- or spa-related fatal drownings reported per year for 2021 through 2023”
- CPSC 2026 Pool or Spa Submersion report, checked 2026-11-09. “an annual average of 71 percent of the ED-treated nonfatal drowning injuries”
- CDC, checked 2026-11-09. “More children ages 1–4 die from drowning than any other cause of death.”
- CDC, checked 2026-11-09. “An average of 4,083 unintentional drowning deaths occurred each year from 2012–2021.”
- CDC, checked 2026-11-09. “Nonfatal drowning has a range of outcomes or results, from no injuries to very serious injuries such as brain damage or permanent disability.”
- 15 U.S.C. 8003, checked 2026-11-09. “each public pool and spa in the United States with a single main drain other than an unblockable drain shall be equipped”
- 25 Tex. Admin. Code 265.191, checked 2026-11-09. “The following records pertaining to lifeguards must be kept three years”
- Tex. Civ. Prac. & Rem. Code 75.007, checked 2026-11-09. “may be liable for injury to a child caused by a highly dangerous artificial condition on the land”
- A.R.S. 33-1551, checked 2026-11-09. “does not limit the liability that otherwise exists for maintaining an attractive nuisance”
- A.R.S. 36-1681, checked 2026-11-09. “Public or semi-public swimming pools.”
- A.R.S. 36-1681, checked 2026-11-09. “A swimming pool or contained body of water or barrier constructed prior to the effective date of this article.”
- A.R.S. 36-1681, checked 2026-11-09. “Be self-closing and self-latching with the latch located at least fifty-four inches above the underlying ground”
- Tex. Health & Safety Code 757.004, checked 2026-11-09. “have a self-closing and self-latching device”
- A.R.S. 36-1681, checked 2026-11-09. “shall give the buyer, lessee or renter a notice explaining safety education and responsibilities of pool ownership”
- Tex. Health & Safety Code 757.012, checked 2026-11-09. “may maintain an action against the owner or property owners association for failure to comply with the requirements of this chapter”
- A.R.S. 12-502, checked 2026-11-09. “the period of such disability shall not be deemed a portion of the period limited for commencement of the action”
- Tex. Civ. Prac. & Rem. Code 16.001, checked 2026-11-09. “the time of the disability is not included in a limitations period”
- A.R.S. 12-821.01, checked 2026-11-09. “a minor or an insane or incompetent person may file a claim within one hundred eighty days after the disability ceases”
- A.R.S. 12-821, checked 2026-11-09. “shall be brought within one year after the cause of action accrues”
- Tex. Civ. Prac. & Rem. Code 101.0215, checked 2026-11-09. “recreational facilities, including but not limited to swimming pools, beaches, and marinas”
- Tex. Civ. Prac. & Rem. Code 101.023, checked 2026-11-09. “Liability of a municipality under this chapter is limited to money damages in a maximum amount of $250,000 for each person and $500,000 for each single occurrence for bodily injury or death”
- A.R.S. 36-1681, checked 2026-11-09. “Political subdivisions which adopt ordinances after the effective date of this article provided that the ordinance is equal to or more stringent than the provisions of this article.”
- A.R.S. 12-612, checked 2026-11-09. “surviving husband or wife, child, parent or guardian, or personal representative of the deceased person”