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#1
posted to rec.boats.cruising
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Hurricane Ike Boat Insurance claims tips?
Does anyone have any tips or experience they could share on how to
deal with insurance adjusters for significant boat insurance claims? My boat was one of many badly damaged in Hurricane Ike...I'm guessing $50k+ in damage (boat is worth about a $100k). Flybridge was crushed, radar, Loran, radio & gps antennas, flybridge enclosure, T-top, and outriggers/center rigger all trashed. bow pulpit yanked off too & Port Engine engine won't start, plus the whole dock box gone and everything in it. The damage was extensive & I was really surprised she stayed afloat, but it doesn't appear the boat would be totaled...my policy is a declared value policy, for what I paid for the boat as opposed to a replacement value policy. Please respond to the group & thanks in advance. |
#2
posted to rec.boats.cruising
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Hurricane Ike Boat Insurance claims tips?
On Sat, 20 Sep 2008 18:51:31 -0700 (PDT), GSS
wrote: The damage was extensive & I was really surprised she stayed afloat, but it doesn't appear the boat would be totaled...my policy is a declared value policy, for what I paid for the boat as opposed to a replacement value policy. Please respond to the group & thanks in advance. Get an estimate from a reputable repair yard that does a lot of good quality insurance work and let them deal with the company. They will have had a lot of experience with it and will deal with the situation unemotionally (not that you wouldn't of course, but it is difficult with your own boat). |
#3
posted to rec.boats.cruising
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Hurricane Ike Boat Insurance claims tips?
On 2008-09-20 21:51:31 -0400, GSS said:
Does anyone have any tips or experience they could share on how to deal with insurance adjusters for significant boat insurance claims? My boat was one of many badly damaged in Hurricane Ike...I'm guessing $50k+ in damage (boat is worth about a $100k). Flybridge was crushed, radar, Loran, radio & gps antennas, flybridge enclosure, T-top, and outriggers/center rigger all trashed. bow pulpit yanked off too & Port Engine engine won't start, plus the whole dock box gone and everything in it. The damage was extensive & I was really surprised she stayed afloat, but it doesn't appear the boat would be totaled...my policy is a declared value policy, for what I paid for the boat as opposed to a replacement value policy. Please respond to the group & thanks in advance. IF your insurer is honest, you're home free. We had a relatively larger claim against a BOAT/US insurer (the other boat's carrier, we had other insurance) and received zero hassle as it was clearly their fault. We were moored almost on the shore and they ran over our boat while we were securely moored and away from our boat. Even when I screwed up and wrapped a dock line around our prop as a BOAT/US insured boat, they questioned far fewer of the outrageous charges than I did. Yeah, they were usual and expected charges, but I felt them still way out of line. If you trust your company and their adjusters, you have no problem. If you don't, I really do suggest you work with the local BOAT/US insurers. If the two are the same, I have to say that your expectations are unrealistic. The BOAT/US insurers really do know boats and I have heard no report that they didn't give their insured the strong benefit of the doubt. As horrible as it sounds, I agree with Wilbur that you guys had more than a week to prepare for Ike. In a week, I could be 1000 nm away from the target area, I could also add a mess of lines to ensure that our boat would stay exactly where I wished her to be. Last year, a friend on this list and I even worked out a way to keep the floating docks in the right place should the surge surpass the pilings. If you don't prepare, it doesn't matter who your insurer is. -- Jere Lull Xan-à-Deux -- Tanzer 28 #4 out of Tolchester, MD Xan's pages: http://web.mac.com/jerelull/iWeb/Xan/ Our BVI trips & tips: http://homepage.mac.com/jerelull/BVI/ |
#4
posted to rec.boats.cruising
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Hurricane Ike Boat Insurance claims tips?
On Sep 20, 11:26*pm, Jere Lull wrote:
On 2008-09-20 21:51:31 -0400, GSS said: Does anyone have any tips or experience they could share on how to deal with insurance adjusters for significant boat insurance claims? My boat was one of many badly damaged in Hurricane Ike...I'm guessing $50k+ in damage (boat is worth about a $100k). *Flybridge was crushed, radar, Loran, radio & gps antennas, flybridge enclosure, T-top, and outriggers/center rigger all trashed. *bow pulpit yanked off too & Port Engine engine won't start, plus the whole dock box gone and everything in it. The damage was extensive & I was really surprised she stayed afloat, but it doesn't appear the boat would be totaled...my policy is a declared value policy, for what I paid for the boat as opposed to a replacement value policy. *Please respond to the group & thanks in advance. IF your insurer is honest, you're home free. We had a relatively larger claim against a BOAT/US insurer (the other boat's carrier, we had other insurance) and received zero hassle as it was clearly their fault. We were moored almost on the shore and they ran over our boat while we were securely moored and away from our boat. Even when I screwed up and wrapped a dock line around our prop as a BOAT/US insured boat, they questioned far fewer of the outrageous charges than I did. Yeah, they were usual and expected charges, but I felt them still way out of line. If you trust your company and their adjusters, you have no problem. If you don't, I really do suggest you work with the local BOAT/US insurers. If the two are the same, I have to say that your expectations are unrealistic. The BOAT/US insurers really do know boats and I have heard no report that they didn't give their insured the strong benefit of the doubt. As horrible as it sounds, I agree with Wilbur that you guys had more than a week to prepare for Ike. In a week, I could be 1000 nm away from the target area, I could also add a mess of lines to ensure that our boat would stay exactly where I wished her to be. Last year, a friend on this list and I even worked out a way to keep the floating docks in the right place should the surge surpass the pilings. If you don't prepare, it doesn't matter who your insurer is. -- Jere Lull Xan-à-Deux -- Tanzer 28 #4 out of Tolchester, MD Xan's pages:http://web.mac.com/jerelull/iWeb/Xan/ Our BVI trips & tips:http://homepage.mac.com/jerelull/BVI I don't know who Wilbur and didn't see his post, but I'm guessing it was criticism for Texas Hurricane boat victims...I doubt it was sympathy...I'm not seeking either. I just wanted some tips on how to work with the insurance company...your tip is to trust them & thank you for the advice. By the way, I paid for insurance, took reasonable measure to protect the boat, and suffered far less damage than EVERYONE else in the marina. I suppose I could have pulled the boat out of the water, but most of the boats that you saw on the highway came out of the work/storage yards, not marinas. Then again, I could have moved it to Central Texas, just to be really safe. |
#5
posted to rec.boats.cruising
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Hurricane Ike Boat Insurance claims tips?
On Sep 21, 9:04*pm, GSS wrote:
On Sep 20, 11:26*pm, Jere Lull wrote: On 2008-09-20 21:51:31 -0400, GSS said: Does anyone have any tips or experience they could share on how to deal with insurance adjusters for significant boat insurance claims? My boat was one of many badly damaged in Hurricane Ike...I'm guessing $50k+ in damage (boat is worth about a $100k). *Flybridge was crushed, radar, Loran, radio & gps antennas, flybridge enclosure, T-top, and outriggers/center rigger all trashed. *bow pulpit yanked off too & Port Engine engine won't start, plus the whole dock box gone and everything in it. The damage was extensive & I was really surprised she stayed afloat, but it doesn't appear the boat would be totaled...my policy is a declared value policy, for what I paid for the boat as opposed to a replacement value policy. *Please respond to the group & thanks in advance. IF your insurer is honest, you're home free. We had a relatively larger claim against a BOAT/US insurer (the other boat's carrier, we had other insurance) and received zero hassle as it was clearly their fault. We were moored almost on the shore and they ran over our boat while we were securely moored and away from our boat. Even when I screwed up and wrapped a dock line around our prop as a BOAT/US insured boat, they questioned far fewer of the outrageous charges than I did. Yeah, they were usual and expected charges, but I felt them still way out of line. If you trust your company and their adjusters, you have no problem. If you don't, I really do suggest you work with the local BOAT/US insurers. If the two are the same, I have to say that your expectations are unrealistic. The BOAT/US insurers really do know boats and I have heard no report that they didn't give their insured the strong benefit of the doubt. As horrible as it sounds, I agree with Wilbur that you guys had more than a week to prepare for Ike. In a week, I could be 1000 nm away from the target area, I could also add a mess of lines to ensure that our boat would stay exactly where I wished her to be. Last year, a friend on this list and I even worked out a way to keep the floating docks in the right place should the surge surpass the pilings. If you don't prepare, it doesn't matter who your insurer is. -- Jere Lull Xan-à-Deux -- Tanzer 28 #4 out of Tolchester, MD Xan's pages:http://web.mac.com/jerelull/iWeb/Xan/ Our BVI trips & tips:http://homepage.mac.com/jerelull/BVI I don't know who Wilbur and didn't see his post, but I'm guessing it was criticism for Texas Hurricane boat victims...I doubt it was sympathy...I'm not seeking either. *I just wanted some tips on how to work with the insurance company...your tip is to trust them & thank you for the advice. *By the way, I paid for insurance, took reasonable measure to protect the boat, and suffered far less damage than EVERYONE else in the marina. *I suppose I could have pulled the boat out of the water, but most of the boats that you saw on the highway came out of the work/storage yards, not marinas. *Then again, I could have moved it to Central Texas, just to be really safe.- Hide quoted text - - Show quoted text - Wilbur is the group asshole, he's bitter because the city wants to crush and dumpster his boat, they thought it was abandoned, and now know it's just an eyesore. The asshole spews his **** about running but spent his last hurricane tied in the mangrove swamps. It suprised me Jere took his putrid bait. At 7 days out the forecast for Ike ran from Mexico to the Sabine. Even 2 days out it was from corpus to the sabine. If you get hit running in the ICW you will be found several miles inshore in the salt grass swamps. For anything under 100 ft putting out a spiderweb at the dock and tending it is the best call. As far as sympathy from anyone,I have not seen anyone in Texas asking for one iota of it. Texas will be back up to full speed soon. Keep in mind Wilburs whole lifes savings is the little broken boomed day sailor he and his cat live on. He has no insurance, job, class, smarts, reason to live. It's hard for him to understand some people have more than just a boat to care for. Some people have boats, houses, familys, companies, employees, and many other obligations that take priority over boats. Good luck on your insurance claim. Fred |
#6
posted to rec.boats.cruising
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Hurricane Ike Boat Insurance claims tips?
wrote in message ... big snip : It suprised me Jere took his putrid bait. And your bait is fresh? Bwahahahhahahahahahah! Wilbur Hubbard |
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