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Paying a little bit more for a liner that you'll never have to replace is worth it! Add the Horizon pool pad and cove kit to the liner purchase and the 100% Warranty will extend not only to seam separation but to any other failure of the liner due to manufacture defects.
2) As for those warranties in a fiberglass shell, ALL fiberglass manufacturer's EXCLUDE ground and/or pool movement from warranty coverage. This is a point we make sure the consumer understands BEFORE going to contract with us on a pool (something that fiberglass only builders rarely mention to their customers).