"gordon" wrote in message
news:7P2Mf.69$ZL1.40@trndny09...
I've been assessed 21% depreciation plus my deductible on damages from
hurricane 'wilma'. Nothing in my policy mentions deprecation on damages.
I've never had a claim before. Is this the norm??

thanks
gordon

Try another insurance company and ask for an "agreed to" insured value for
the boat.