John Gaquin wrote:
wrote in message
Good luck finding a policy these days.....

You may well be right. Having never had to file a claim I can't confirm or
deny the reality. But..... when I have asked the right, specific questions
of my agent, he has given me what I considered to be the right answers, in
writing. In my view, that's as good as you can get without actually
trashing your boat by way of experimentation.



Not every insurance company is out to screw you after a claim. I've not
had a boat claim ever, and I haven't had a serious car claim for about
35 years, and *that* one wasn't my fault. I have had three minor car
claims that had no impact on my policies or rates, because I wasn't at
fault.

We've got a claim pending now on our homeowners because of last week's
electrical storm. The claims agent called me yesterday and after I
explained the damages, she said to just send in the receipts, and she'd
waive half the $500 deductible. I don't know whether the fact that I
called the insurance company right after the storm and told it I had to
remove a tree to protect the house bought me any good graces, but had
the tree fallen on the house, which it was threatening to do, the
insurance company would have been out tens of thousands of dollars or more.