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Results not reflecting the population (APEX)
It would normally be part of the comprehensive coverage.
Yes, that would be under your comprehensive coverage.
Technically, the policy lapsed. If a covered loss occurred before reinstatement, the insurer would arguably be justified in denying coverage. However, if the reinstatement was retroactive to the lapse date (which would probably occur if the reinstatement occurred quickly), and if you have been with the insured for some time, coverage may be extended to the intervening loss.
The pool would be covered under Coverage B "other structures" of your policy. Any structure not attached to your home is covered under Coverage B.
The next ice would probably occur for a few 100 years we will probably be dead by then so dont worry about it!
if they don't meet the definition of an insured (related to you or under 25 and in your care) then they would be excluded from coverage
It depends on the scope of coverage you purchased. Talk to your insurance agent if you have questions about your coverage. Your agent would the person in the best position to advise you of coverage.