insurance claim
 

My boat got banged up. Innocently tied up to the dock and the boat
immediately upwind broke free in a wind storm and bashed both bows a
bit (it's a cat) and really busted up the fwd. crossbeam.

I've called my insurance company, they sent a surveyor, and the other
guy is insured too. I'm not sure which insurance company is going to
be paying for it yet but I'm wondering about repairing the bows.

My agent said they usually paint the whole hull if the damage is
significant (it is; see pictures he www.maiaaboard.blogspot.com)

The same insurance company surveyor I spoke with (after he saw the
damage) said that in an older boat like ours that the usual practice
is to just paint/gelcoat the damaged area. I wasn't wild about that
because it's very hard to colour match faded gelcoat. His explanation
was if they painted the whole hulls it would "leave the boat better
than it was before the accident".

The wording of my policy is somewhat vague as to how repairs are to be
made - generally it says repairs will be made according to generally
accepted shipyard practice or in consultation with the boat builder.

Any thoughts on colour matching gelcoat? I also spoke to the surveyor
who originally surveyed my boat. He said it can be done but in 5
years the differential fading will make it obvious that a repair has
been made. Do I have a leg to stand on if I insist they paint the
whole hulls?

Thanks,

Evan Gatehouse

insurance claim
 

In article ,
Evan Gatehouse2 wrote:

My boat got banged up. Innocently tied up to the dock and the boat
immediately upwind broke free in a wind storm and bashed both bows a
bit (it's a cat) and really busted up the fwd. crossbeam.

I've called my insurance company, they sent a surveyor, and the other
guy is insured too. I'm not sure which insurance company is going to
be paying for it yet but I'm wondering about repairing the bows.

My agent said they usually paint the whole hull if the damage is
significant (it is; see pictures he www.maiaaboard.blogspot.com)

The same insurance company surveyor I spoke with (after he saw the
damage) said that in an older boat like ours that the usual practice
is to just paint/gelcoat the damaged area. I wasn't wild about that
because it's very hard to colour match faded gelcoat. His explanation
was if they painted the whole hulls it would "leave the boat better
than it was before the accident".

The wording of my policy is somewhat vague as to how repairs are to be
made - generally it says repairs will be made according to generally
accepted shipyard practice or in consultation with the boat builder.

Any thoughts on colour matching gelcoat? I also spoke to the surveyor
who originally surveyed my boat. He said it can be done but in 5
years the differential fading will make it obvious that a repair has
been made. Do I have a leg to stand on if I insist they paint the
whole hulls?

Thanks,

Evan Gatehouse


You're asking a dozen different questions in here and I don't feel like
responding decisively to any of them, but I can see a good technician
making any of your options work.

Personally, I'd go for gelcoat before paint, as paint isn't as durable
or stable. Matching colors is an art, but it's not brain surgery.

--
Jere Lull
Xan-a-Deux ('73 Tanzer 28 #4 out of Tolchester, MD)
Xan's Pages: http://members.dca.net/jerelull/X-Main.html
Our BVI FAQs (290+ pics) http://homepage.mac.com/jerelull/BVI/

insurance claim
 

The same thing happened to me.
My boat a 27 foot monohull sailboat was five years at the time.
He ended up getting paid for repairing the bow, color matching and replacing
the bowsprit.
I had to pull teeth to get pay by the other guy's boat insurance.
His broker wanted me to claim my damages through my own insurance company.
Plus he invoked the act of God (because the wind was over 65 knots)to be the
cause of the damages. Anyway at the end of the day I got paid but only for
the above damages not for a complete paint job.



"Jere Lull" wrote in message
...
In article ,
Evan Gatehouse2 wrote:

My boat got banged up. Innocently tied up to the dock and the boat
immediately upwind broke free in a wind storm and bashed both bows a
bit (it's a cat) and really busted up the fwd. crossbeam.

I've called my insurance company, they sent a surveyor, and the other
guy is insured too. I'm not sure which insurance company is going to
be paying for it yet but I'm wondering about repairing the bows.

My agent said they usually paint the whole hull if the damage is
significant (it is; see pictures he www.maiaaboard.blogspot.com)

The same insurance company surveyor I spoke with (after he saw the
damage) said that in an older boat like ours that the usual practice
is to just paint/gelcoat the damaged area. I wasn't wild about that
because it's very hard to colour match faded gelcoat. His explanation
was if they painted the whole hulls it would "leave the boat better
than it was before the accident".

The wording of my policy is somewhat vague as to how repairs are to be
made - generally it says repairs will be made according to generally
accepted shipyard practice or in consultation with the boat builder.

Any thoughts on colour matching gelcoat? I also spoke to the surveyor
who originally surveyed my boat. He said it can be done but in 5
years the differential fading will make it obvious that a repair has
been made. Do I have a leg to stand on if I insist they paint the
whole hulls?

Thanks,

Evan Gatehouse


You're asking a dozen different questions in here and I don't feel like
responding decisively to any of them, but I can see a good technician
making any of your options work.

Personally, I'd go for gelcoat before paint, as paint isn't as durable
or stable. Matching colors is an art, but it's not brain surgery.

--
Jere Lull
Xan-a-Deux ('73 Tanzer 28 #4 out of Tolchester, MD)
Xan's Pages: http://members.dca.net/jerelull/X-Main.html
Our BVI FAQs (290+ pics) http://homepage.mac.com/jerelull/BVI/

insurance claim
 

A good Gellcoat repair person will get a perfect match, well one you will
not see.

Ask around in your local area for recommendations.

Alec


"Gogarty" wrote in message
...
In article ,
says...


Personally, I'd go for gelcoat before paint, as paint isn't as durable
or stable. Matching colors is an art, but it's not brain surgery.

Actually, matching colors is a science. I could not believe it when I saw
it done. They use reflectometers and computers and such and make a match
for old faded paint that is absolutely 100% dead on and stays that way.
The patch just ius not distinguishable from the base in any light or
angle.

I would prefer gelcoat to paint, assuming we are talking Awlgrip or the
like.

insurance claim
 

When matching older gel coat you have to add pigments that were not in the
original so the newer gel coat will not age the same color as the old.
However, if you do a paint job like the one on that "Pimp my Ride" link
nobody will ever notice. ;-)

--
Glenn Ashmore

I'm building a 45' cutter in strip/composite. Watch my progress (or lack
there of) at: http://www.rutuonline.com
Shameless Commercial Division: http://www.spade-anchor-us.com

"Evan Gatehouse2" wrote in message
...
My boat got banged up. Innocently tied up to the dock and the boat
immediately upwind broke free in a wind storm and bashed both bows a bit
(it's a cat) and really busted up the fwd. crossbeam.

I've called my insurance company, they sent a surveyor, and the other guy
is insured too. I'm not sure which insurance company is going to be
paying for it yet but I'm wondering about repairing the bows.

My agent said they usually paint the whole hull if the damage is
significant (it is; see pictures he www.maiaaboard.blogspot.com)

The same insurance company surveyor I spoke with (after he saw the damage)
said that in an older boat like ours that the usual practice is to just
paint/gelcoat the damaged area. I wasn't wild about that because it's
very hard to colour match faded gelcoat. His explanation was if they
painted the whole hulls it would "leave the boat better than it was before
the accident".

The wording of my policy is somewhat vague as to how repairs are to be
made - generally it says repairs will be made according to generally
accepted shipyard practice or in consultation with the boat builder.

Any thoughts on colour matching gelcoat? I also spoke to the surveyor who
originally surveyed my boat. He said it can be done but in 5 years the
differential fading will make it obvious that a repair has been made. Do
I have a leg to stand on if I insist they paint the whole hulls?

Thanks,

Evan Gatehouse

insurance claim
 

I'd opt for gelcoat repair as there some reknown gelcoat repair
'artists' who can match gelgoat to perfection even the beige and gun
metal gels. Seek out the 'best' or most reknown 'artist' .... usually
one that can spray-on the repair. I'd 'negotiate' with the insurance
co. etc. that they would be responsible if the repair wasnt
satisfactory for a time term AFTER the date of the repair that THEY
would be responsible for also the future repair ... I'd include that
within the acceptance of the claim. If in future the new gel does
change hue then its still an easy task to respray gel back to the
proper color ... and well blended into the original gel.

Painting leads to more problems that ultimately result in painting and
repainting in the future as there is NO topside paint that will hold up
to constant immersion .... especially on a boat like yours that may be
heeled over for days or weeks on a single tack. If you do elect to
have the boat painted do include the attachment to the contractural
agreement that the boat can be heeled over for long periods .... and
the paint will not 'lift' due to immersion or high internal humidity of
the underlying substrate.

Gelcoat is safe for longterm immersion; and, thats why for myself I'd
suffer the slight cosmetic color etc, shift over time rather than being
pretty sure that I'd have to paint and paint and paint in the future.
If a boat's topsides are painted (its in the fine print of all high
tech topside paint manuals) the boat cant be shrinkwrapped or put into
extremely high humidity situations or your risk 'adhesion problems'
..... look at the tech manuals that verbiage is there. Excuse me,
boating IS a high humidity venue.

A 'good' gelcoat 'artist' usually can come very close in hue and
surface sheen when repairing gel, etc. Seek recommendations before you
choose one.

Just my opinion.


In article , Evan Gatehouse2
wrote:

My boat got banged up. Innocently tied up to the dock and the boat
immediately upwind broke free in a wind storm and bashed both bows a
bit (it's a cat) and really busted up the fwd. crossbeam.

I've called my insurance company, they sent a surveyor, and the other
guy is insured too. I'm not sure which insurance company is going to
be paying for it yet but I'm wondering about repairing the bows.

My agent said they usually paint the whole hull if the damage is
significant (it is; see pictures he www.maiaaboard.blogspot.com)

The same insurance company surveyor I spoke with (after he saw the
damage) said that in an older boat like ours that the usual practice
is to just paint/gelcoat the damaged area. I wasn't wild about that
because it's very hard to colour match faded gelcoat. His explanation
was if they painted the whole hulls it would "leave the boat better
than it was before the accident".

The wording of my policy is somewhat vague as to how repairs are to be
made - generally it says repairs will be made according to generally
accepted shipyard practice or in consultation with the boat builder.

Any thoughts on colour matching gelcoat? I also spoke to the surveyor
who originally surveyed my boat. He said it can be done but in 5
years the differential fading will make it obvious that a repair has
been made. Do I have a leg to stand on if I insist they paint the
whole hulls?

Thanks,

Evan Gatehouse

insurance claim
 

Any company who is involved in 'color' will have a lab with this
equipment ..... and if you are kind and appreciative, may do the
colorscan for you at no charge. Such comapnies would be ink, paint,
plastic, dye or 'color' manufacturers. You'd need to supply a
representative sample of the original gel and samples of the new gel
plus the accompanying tints that you intend to add. This can be an
expensive process if you send to a color lab ... but such companies do
this sometimes for their "good neighbors' for free.to establish 'good
will' in the community.

hope this helps.


In article , Dave
wrote:

On Thu, 07 Dec 2006 07:44:36 -0500, Gogarty said:

Actually, matching colors is a science. I could not believe it when I saw
it done. They use reflectometers and computers and such and make a match
for old faded paint that is absolutely 100% dead on and stays that way.

Where did you see it done? I'm looking to get some gelcoat color matched so
I can repair a few dings.