It's not that simple. Just about everything in our lives is based upon reducing the risk for insurance companies. When calling companies about insurance they ask by questions like "have you made any homeowner claims in the last 5 years". In other words, they don't want to insure us if we actually USE the insurance or they will insure us, but we get penalized by paying higher rates for filing a claim. Consequently, we all frequently pay damages out of our pocket rather than file a claim.
There has been a pool at this house for 30 years without incident. I understand that other houses have had injuries related to swimming pool diving boards. I also understand that they need to reduce their risks. But a blanket rule not to cover diving boards is extreme. They could offer us the option of paying more, but they have a hard and fast rule.
It will cost us $1,000 to remove the board because it has to be jack hammered out and then the area must be repaired.
Sorry.... just blowing off steam.