Try your state's department of insurance. I had a problem with an auto claim
several years ago and a quick letter to http://www.ins.state.il.us/ took care of
the problem in less than two weeks. The check even came with a letter of
apology! The insurance companies can lose their ability to operate in an entire
state if they have too many problems.

I mentioned this in another post but I recently switched to Progressive. State
Farm's rates skyrocketed in Florida. They even sent a note explaining the
unusually high increase with the renewal notice. With Progressive, I maxed out
my liability limits and I am still saving over $200 per year vs State Farms new
premium. Fortunately, I can't comment on either company's claims procedures.

Dan


Capt Frank Hopkins wrote:
"Del Cecchi" wrote in message
...

"Capt Frank Hopkins" wrote in message
rthlink.net...

Hi All,
[snip]


I did check with homeowner's policy. Because the boat is listed as a "second
home" on the taxes, the primary policy does not cover theft losses. A rather
sneaky catch 22. The chip is not covered because the adjuster chose not to
cover it. No amount of arguing could get her to change her mind. I was under
the impresssion that all the boat's equipment was 100% covered. It turns
out, only the actual boat and manufacturer installed equipment is 100%
covered. Owner installed "accessories" are covered at a pro-rata amount. The
insuranace company gets to determine the discount.

I did contact my attorney, who said that there is a claim there, but by the
time I pay his fees, court costs, and the 5 years it will take to chase the
claim through the courts, It will cost me more then the loss I could
recover.

I am looking for a new insurance company. The good hands developed stickey
fingers.

C.F.


Check your homeowner's insurance. It might cover stuff like tools and
fishing poles. That is often the case.
And why did they cover the GPS but not the chip in it?

Shows that the additional cost of "replacement cost" coverage might be
justified. And when you find out where I can buy one of those 2 year old
generators for 40% of new, drop me a line. Sounds like my price range

del