Published 11 September 2026 · By Jatin Dua, Broker of Record, RE/MAX Quantum Realty
There are three swimming pool clauses in the Ontario library and the difference between them is the difference between a promise that is worth something and a promise that is not. SWIM-1 warrants bylaw compliance for the pool, the equipment and the fencing, but it is qualified by the seller’s knowledge and belief. SWIM-2 warrants that the pool and equipment are in good working order now and on the completion date, and it is not knowledge-qualified. SWIM-3 deals with winterization and hangs entirely on one date: the deadline by which the buyer must give written notice of a claim. Set that date before the pool opens in spring and the clause protects nobody.
The bill arrives in May on a house that closed in February
A winterized pool is a blue cover with leaves on it. Nobody can tell you anything about what is underneath, and nobody does. The buyer closes in February, waits for the weather, opens the pool in the third week of May, and finds a cracked heater, a pump that will not prime, and a liner with a slow leak that has been quietly undermining the deck since November.
Now look at what is in the agreement. If there is a winterization clause with a claim deadline of 31 December, it expired five months before anyone could have known there was a problem. If there is a knowledge-qualified compliance warranty from a seller who bought the house with the pool already in it, it promises almost nothing. If there is nothing at all, the buyer bought a pool as it stood.
None of that is bad luck. All three outcomes are decisions somebody made when they drafted, or failed to draft, a schedule in January.
Three clauses, and only one is unqualified
Pull the exact wording from your own OREA member copy. What matters for drafting is how each one is qualified and what it reaches.
| Clause | What the seller promises | How it is qualified |
|---|---|---|
| SWIM-1 (Bylaw Compliance) | That the pool, its equipment and the fencing comply with applicable bylaws, regulations and legislation | To the best of the seller’s knowledge and belief. Survives closing without merging, but speaks to the state of the property at completion |
| SWIM-2 (Good Working Order – Warranty) | That the pool and equipment are in good working order now and will be on the completion date | Not knowledge-qualified. An outright warranty. Survives closing without merging, applied to the state of the property at completion |
| SWIM-3 (Winterization) | To winterize the pool and equipment before completion, and to give a written undertaking on completion accepting responsibility for costs if it was not done properly | Conditional on the buyer giving written notice of a claim by a stated date, after which the seller accepts no responsibility |
That middle row is the one to notice. Most seller warranties in the clause book are softened by the seller’s knowledge and belief, because sellers do not want to guarantee facts they cannot verify. SWIM-2 is not. It is a flat statement about a mechanical system, given twice — now and on closing. If you act for the seller, read it with that in mind before you agree to it. If you act for the buyer, understand that you have been handed something stronger than usual and do not water it down by accident.
SWIM-1 and the enclosure nobody checked
The word in SWIM-1 that earns its place is fencing. Agents read the clause as being about the pool. The part that generates municipal orders, insurance questions and genuine danger is the enclosure.
Pool enclosure requirements are municipal, and they vary. Height, gate hardware, permitted gaps, whether a wall of the house may form part of the enclosure, what happens where a hot tub is involved — these differ between municipalities and they change over time. A pool that was compliant when it went in fifteen years ago is not automatically compliant now, and a pool installed without a permit may never have been assessed at all.
Which is why the knowledge qualifier matters so much here. A seller who bought the house in 2016 with the pool already dug is telling you, honestly, what they believe. They have never read the bylaw. On knowledge-qualified warranties generally, Coppendale v. Mills, 2025 ONSC 5192 is the case to know: as reported, a warranty given to the best of the seller’s knowledge was held to speak to the seller’s knowledge at signing rather than at closing, and the buyers who refused to close on a defect they found later lost their deposit along with substantial damages.
So if compliance actually matters to your buyer — and with an enclosure it should — the warranty is not the answer. The answer is an enquiry to the municipality, made by the buyer’s lawyer in time to be useful, and a condition that gives them room to act on what comes back.
The short version
A knowledge-qualified compliance warranty tells you what the seller believes. A municipal enquiry tells you what is true. On a pool enclosure, get the second one, and give the lawyer enough days to obtain it.
Good working order is undefined, and that is the fight
SWIM-2 looks airtight until somebody has to argue about it. Good working order is not defined anywhere in the agreement, and pools are full of equipment that works in a qualified sense. A heater that raises the water two degrees a day. A pump that runs but weeps at the seal. A salt cell at the end of its life. A liner holding water at a rate that reads as evaporation until August.
Is any of that good working order? Reasonable people disagree, and lawyers disagree, and the answer on a particular set of facts is a legal question I am not going to resolve for you. What I will say is that the argument is much easier to win if somebody wrote down the condition of the equipment at the time of the agreement.
So on the buyer side, ask for the service history and the age of the heater, pump, filter and liner, and put what you are told in writing. On the seller side, do exactly the same before your seller warrants anything, because an unqualified warranty about equipment nobody has looked at is a promise made blind.
SWIM-3 and the date that decides everything
SWIM-3 does three things in sequence. The seller winterizes the pool and equipment before completion. On completion the seller gives a written undertaking accepting responsibility for costs the buyer incurs if the winterization was not done properly. And the buyer must give written notice of any claim by a stated date, failing which the seller accepts no responsibility for those costs.
Everything turns on the third part. Improper winterization does not show itself in December. It shows itself when the pool is opened and somebody discovers that water sat in a line and split it. On a November or December closing that is five or six months later.
I want that claim date set after the pool has been opened and inspected by a pool company in the spring, with a margin. Working backwards from an opening in the second half of May, a date in late June is a working answer on most files. A date in January is a clause that expires before the risk materialises, and I have seen agents write one without blinking because it felt like a reasonable number of days.
Why an inspection condition does not cover you off-season
Agents assume the home inspection condition catches pool problems. It generally does not. In my experience most inspection agreements exclude pools and spas outright, and no inspector can assess a pool sitting under a cover in February in any event. The result is a buyer who believes they have inspected the property and has not inspected the single most expensive thing in the back yard.
If the pool matters, it needs its own attention: a pool company, not a home inspector, and enough days to get one out. And be careful about how you describe a discretionary condition to a buyer. In Marshall v. Bernard Place Corp. (Ontario Court of Appeal, 2002), as reported, a discretionary inspection condition was held to have both objective and subjective elements, with the buyer entitled to rely on genuine deficiencies found through the inspection. Sole discretion has never meant a free option to walk. The general drafting points are in the home inspection condition post.
One more practical item while you are at it. Pool equipment is a chattels and fixtures problem as well as a warranty problem. Robot cleaners, solar blankets, spare liners, heaters that were financed and winter covers walk out of back yards between acceptance and closing. List them. The reasoning is in the chattels and fixtures post.
The short version
An inspection condition is not a pool condition. Book a pool company, list the equipment, and set the winterization claim deadline for after the pool has been opened in the spring.
Your exposure, and how I want this handled
The sentence that costs registrants money in this category is a casual reassurance at a showing: the fence is fine, the pool was redone a couple of years ago, the heater is newer. You do not know any of that. You are repeating what a listing said or what a seller mentioned, and when the buyer’s pool company produces a different picture in June, that reassurance is what they remember.
There is also a disclosure dimension. Where a latent defect renders a property unfit for habitation or dangerous, it must be disclosed, and a seller’s agent who knows of such a fact must disclose it to every interested buyer, use best efforts to obtain an acknowledgement from each, and give each a copy. A pool that has been leaking into a foundation, or an enclosure that a municipality has already written to the owner about, is not something to leave to the buyer to discover. Those duties come from case law rather than from the TRESA regulations.
- Ask the age and service history of the pool, liner, heater, pump and filter, and put the answers in writing.
- Ask whether a permit was obtained for the pool and the enclosure, and whether the municipality has ever raised an issue.
- Decide which clause you actually need: compliance, working order, winterization, or more than one. They do different jobs and are not interchangeable.
- Where compliance matters, instruct the buyer to have their lawyer make the municipal enquiry, and build enough days into the conditional period for the answer.
- On any closing between October and April, treat winterization as a separate item and set the claim deadline for after a spring opening.
- Put the delivery of the winterization undertaking on the closing agenda in writing with the buyer’s lawyer.
- List the pool equipment explicitly, because good working order is a warranty about things that first have to be included.
Questions agents actually ask
What is the difference between SWIM-1 and SWIM-2?
SWIM-1 warrants that the pool, its equipment and the fencing comply with applicable bylaws, regulations and legislation, qualified by the seller’s knowledge and belief. SWIM-2 warrants that the pool and equipment are in good working order now and on the completion date, and it is not knowledge-qualified. One is a statement about what the seller believes. The other is a promise about a state of facts.
When should the winterization claim deadline be?
After the pool has been opened and looked at by a pool company in the spring, with a margin for getting one booked. Improper winterization shows up at opening, not in the weeks after a winter closing. A deadline in December or January on a November closing expires months before anyone could discover the damage, which makes the clause decorative.
Does a home inspection condition cover the swimming pool?
Usually not. Most inspection agreements exclude pools and spas, and a pool under a winter cover cannot be meaningfully assessed in any event. If the pool matters to your buyer, arrange a separate inspection by a pool company and allow enough days in the conditional period to get one attending. Do not let a buyer assume the general inspection took care of it.
Who is responsible if the pool fence does not meet the bylaw?
After closing, the owner is the one the municipality deals with, which is the buyer. A knowledge-qualified compliance warranty may give the buyer a claim against the seller, but that is a question for their lawyer and it does not stop an order. The better protection is a municipal enquiry through the buyer’s lawyer during the conditional period.
Is good working order defined anywhere?
No, and that is why it gets argued about. A heater that heats slowly, a pump that leaks at the seal and a liner losing water at a rate that looks like evaporation are all arguably working. Whether any of them breach the warranty on particular facts is a legal question. Document the age and condition of the equipment at the time of the agreement so there is something to argue from.
Do I have to disclose a problem with a pool as the listing agent?
If you know of a latent defect that renders the property unfit for habitation or dangerous, yes: it must be disclosed, you must use best efforts to obtain an acknowledgement from each interested buyer, and each must be given a copy. A leak damaging a foundation or an existing municipal order about the enclosure is not something to leave for the buyer to find. Take the specific facts to your Broker of Record.
The clause checklist I make my own agents use
A one-page pre-submission check for conditions and schedules — the dates, the notice route, and the eight things that get missed. Built for Ontario agents. Free, and there is no drip campaign behind it.
Separately — if you have ever wondered what your last twelve months would have paid on a different split, run it through Quantum Leap. Six questions, no signup wall.
Who checks your seasonal clauses before closing?
A winterization deadline set five months too early is the kind of error that looks fine to everyone in the room and costs a client eight thousand dollars in June. Every agreement my agents write gets read before it leaves the office. If nobody is doing that for you, come have a conversation.
Book a 15-minute call or call or text 833-330-1925.
If the honest answer is that your current brokerage is fine, I will tell you that.
Related reading
- Vermiculite and Asbestos Clauses in Ontario: Testing, Corrective Action and the Warranty
- Cannabis Clauses in Ontario Real Estate: Grow Ops, Disclosure and the Acknowledgement Trap
- Documentation Review Conditions: The Catch-All Clause and Its Limits
- Lease Review Conditions on an Investment Purchase: Drafting the Condition Subsequent
- Representations and Warranties in an Ontario APS: What Survives Closing and What Dies at It
- Every clause and condition guide in one place
- OREA, Guidelines for Residential and Commercial Clauses, revised 19 May 2026 (OREA member resource)
- RECO Information Bulletin 7.4, Facts a seller has a legal obligation to disclose
- Coppendale v. Mills, 2025 ONSC 5192
- Marshall v. Bernard Place Corp. (Ontario Court of Appeal, 2002)
- Municipal pool enclosure bylaws, which vary by municipality
Jatin Dua is Broker of Record and co-founder of RE/MAX Quantum Realty, Brokerage, Unit 101, 799 The Queensway, Etobicoke. Four-plus years in the GTA and more than $100M in sales volume. He reviews the agreements his agents write.
This is professional commentary from a Broker of Record on drafting practice around swimming pool warranties and winterization clauses in Ontario agreements of purchase and sale. It is not legal advice. Bylaw compliance, the meaning of good working order and the enforceability of an undertaking are questions for the client’s lawyer and the relevant municipality. This is general professional commentary from a Broker of Record on drafting practice. It is not legal advice, it is not a substitute for your own brokerage’s policies, and it does not create any professional relationship. Clause codes refer to OREA’s Guidelines for Residential and Commercial Clauses, an OREA member resource — the clause wording itself is OREA’s and is not reproduced here. Always work from your brokerage’s approved forms, and send your client to a lawyer for anything turning on interpretation, enforceability or remedy. Legislation, regulator guidance and case law all change; verify anything you are relying on.

