"ToneJohn" wrote in message

...... (BoatUS) told me that they would not pay for the entire cost of
repairs becuase some was due to wear and tear,

The easiest way to deal wth this is before it happens. I know that's no
help to you now, but my guess is that your current policy is written
stipulating replacement at ACV -- actual cash value. This is what gives the
carrier the right to depreciate the payout.

In future, make sure your policy is written such that three important
factors are addressed. The policy should stipulate, right from the start,
an *agreed value* for the vessel; should effect repairs/replacements at
*replacement cost*; and should cover *all risks*. This way, all the tough
questions are resolved before the damage occurs, so no one has the wiggle
room to try to tap-dance out of their responsibilities. This type of policy
will cost a bit more, but will avoid the kind of hassle you're having right
now. There are lots of boats sitting on the hard because their owners can't
afford their portion of required repairs -- all because they tried to save a
couple hundred on their insurance premium.