To sea trial/haul or not -update
 

On Wed, 19 Dec 2007 23:03:55 GMT, wrote:

On Wed, 19 Dec 2007 16:52:56 GMT, Short Wave Sportfishing
wrote:

On Wed, 19 Dec 2007 05:16:54 -0800 (PST), Tim
wrote:

On Dec 19, 5:02 am, Short Wave Sportfishing
wrote:

I'll second that - although I think one can get carried away with
surveys on new boats under say 25 feet.

Agreed, Tom. When I was considering buying my 23 ft. cuddie, somebody
on here firmly suggested that I demand a survey and sea trial...

For a boat I was going to give less than $2000.000 for?

I can understand as you are mechanically inclined and have no small
knowledge of engines, transmissions and mechanical systems.

For the average schmuck, even at $2000, inspections can be very
important.

If you plan to have insurance, you'll need a recent (less than one year old)
survey. Without insurance you'll have a hard time finding a slip. If you are
planning on trailering, you can get away with not having insurance as long ass
you also don't have any assets to lose. Sale price of the boat is immaterial.
How much you might get sued for is a big consideration.

Wow, I have never had a boat surveyed and have never had any problem
getting insurance. Of course my boats are more along the line above
(one was worth about $4,000, another about $6,000. Both were 19 ft
cuddys). One boat was totaled in Ivan less than a couple months after
buying it and the insurance company didn't bat an eye paying for it.
Of course I think they paid more to have the damn thing drug out of
the woods along a desolate part of the river bank and hauled out of
the river to a junk yard than they paid me for the boat ;-)

Dave Hall

To sea trial/haul or not -update
 

"Dave Hall" wrote in message
...

Wow, I have never had a boat surveyed and have never had any problem
getting insurance. Of course my boats are more along the line above
(one was worth about $4,000, another about $6,000. Both were 19 ft
cuddys). One boat was totaled in Ivan less than a couple months after
buying it and the insurance company didn't bat an eye paying for it.
Of course I think they paid more to have the damn thing drug out of
the woods along a desolate part of the river bank and hauled out of
the river to a junk yard than they paid me for the boat ;-)

Dave Hall


Both of our boats (the Navigator and the Grand Banks) are insured by a
major, international marine underwriter.
A survey was not required for either boat to get insurance as best as I can
recall. We may have sent copies anyway, to document the boats' equipment
inventories and to provide engine serial numbers and stuff, but I don't
recall a survey as being specifically required to obtain coverage. The
coverage includes replacement cost, $2 million liability, damage by
uninsured others, fuel spill and, surprisingly, storm and or ice damage
during storage (assuming certain precautions are taken). They also cover
half the cost of emergency hauling in the event of severe storms, which I
didn't know until I read the policy carefully the other day.

Years ago with smaller boats I originally got "insurance" as a low cost
rider on our home owner's policy.
Then I found out it covers next to nothing, including fuel spills, which
scared the bananas out of me. You don't want to be uninsured for fuel
spills, have an "event" and then have the Fed coming after you for
reimbursement.

Eisboch

To sea trial/haul or not -update
 

"Eisboch" wrote in message
...

"Dave Hall" wrote in message
...

Wow, I have never had a boat surveyed and have never had any problem
getting insurance. Of course my boats are more along the line above
(one was worth about $4,000, another about $6,000. Both were 19 ft
cuddys). One boat was totaled in Ivan less than a couple months after
buying it and the insurance company didn't bat an eye paying for it.
Of course I think they paid more to have the damn thing drug out of
the woods along a desolate part of the river bank and hauled out of
the river to a junk yard than they paid me for the boat ;-)

Dave Hall


Both of our boats (the Navigator and the Grand Banks) are insured by a
major, international marine underwriter.
A survey was not required for either boat to get insurance as best as I
can recall. We may have sent copies anyway, to document the boats'
equipment inventories and to provide engine serial numbers and stuff, but
I don't recall a survey as being specifically required to obtain coverage.
The coverage includes replacement cost, $2 million liability, damage by
uninsured others, fuel spill and, surprisingly, storm and or ice damage
during storage (assuming certain precautions are taken). They also cover
half the cost of emergency hauling in the event of severe storms, which I
didn't know until I read the policy carefully the other day.

Years ago with smaller boats I originally got "insurance" as a low cost
rider on our home owner's policy.
Then I found out it covers next to nothing, including fuel spills, which
scared the bananas out of me. You don't want to be uninsured for fuel
spills, have an "event" and then have the Fed coming after you for
reimbursement.

Eisboch



And if you have a small cheaper boat, you probably only get liability
insurance, and since the company is not paying for boat loss, probably no
survey needed. My boat cost $20k in 1995 and is probably worth $25k now.
New motor and a T-8 kicker added. And the replacement boats like mine are
now $50-75k. BoatUS has never asked for a survey.

To sea trial/haul or not -update
 

On Wed, 19 Dec 2007 23:54:48 GMT, wrote:

On Wed, 19 Dec 2007 18:33:49 -0500, Dave Hall wrote:

On Wed, 19 Dec 2007 23:03:55 GMT, wrote:

On Wed, 19 Dec 2007 16:52:56 GMT, Short Wave Sportfishing
wrote:

On Wed, 19 Dec 2007 05:16:54 -0800 (PST), Tim
wrote:

On Dec 19, 5:02 am, Short Wave Sportfishing
wrote:

I'll second that - although I think one can get carried away with
surveys on new boats under say 25 feet.

Agreed, Tom. When I was considering buying my 23 ft. cuddie, somebody
on here firmly suggested that I demand a survey and sea trial...

For a boat I was going to give less than $2000.000 for?

I can understand as you are mechanically inclined and have no small
knowledge of engines, transmissions and mechanical systems.

For the average schmuck, even at $2000, inspections can be very
important.

If you plan to have insurance, you'll need a recent (less than one year old)
survey. Without insurance you'll have a hard time finding a slip. If you are
planning on trailering, you can get away with not having insurance as long ass
you also don't have any assets to lose. Sale price of the boat is immaterial.
How much you might get sued for is a big consideration.

Wow, I have never had a boat surveyed and have never had any problem
getting insurance.

Sounds like a miracle! Around here (Connecticut) you probably couldn't rent a
slip anywhere without insurance. What was your covereage in case you dumped a
few gallons of fuel and oil in the harbor? Would it cover the fines and cleanup
which could easily run into the hundreds of thousands of dollars? Many
homeowners policies cover smaller boats for loss. Maybe that's what you are
talking about?

It is a specific policy from Progressive for my boat. I have another
specific policy on my jetski. Like I said, they paid a professional
marine salvage company to haul my boat out after it was washed about
60 miles or so down the Ohio river over 4 dams. When it went down
river it had a full tank of gas, the engine had oil in it and the
outdrive had a full load of gear lube. I rapeled down a godforsaken
riverbank to view the boat before it was hauled back into the river
and from what I could see I doubt that any of these fluids remained
intact. The insurnace adjuster said that the salvage company would
take the needed actions to meet environmental requirements to get the
boat out. I never paid a cent nor heard anything from anybody about
the boat so all I can say is I was satisfied. No surveys were asked
for or required. In fact I can't think of any way that I could have
sent them one as I never saw an agent.

Of course my boats are more along the line above
(one was worth about $4,000, another about $6,000. Both were 19 ft
cuddys). One boat was totaled in Ivan less than a couple months after
buying it and the insurance company didn't bat an eye paying for it.
Of course I think they paid more to have the damn thing drug out of
the woods along a desolate part of the river bank and hauled out of
the river to a junk yard than they paid me for the boat ;-)

Dave Hall

To sea trial/haul or not -update
 

"Calif Bill" wrote in message
...

"Eisboch" wrote in message
...

"Dave Hall" wrote in message
...

Wow, I have never had a boat surveyed and have never had any problem
getting insurance. Of course my boats are more along the line above
(one was worth about $4,000, another about $6,000. Both were 19 ft
cuddys). One boat was totaled in Ivan less than a couple months after
buying it and the insurance company didn't bat an eye paying for it.
Of course I think they paid more to have the damn thing drug out of
the woods along a desolate part of the river bank and hauled out of
the river to a junk yard than they paid me for the boat ;-)

Dave Hall


Both of our boats (the Navigator and the Grand Banks) are insured by a
major, international marine underwriter.
A survey was not required for either boat to get insurance as best as I
can recall. We may have sent copies anyway, to document the boats'
equipment inventories and to provide engine serial numbers and stuff, but
I don't recall a survey as being specifically required to obtain
coverage. The coverage includes replacement cost, $2 million liability,
damage by uninsured others, fuel spill and, surprisingly, storm and or
ice damage during storage (assuming certain precautions are taken). They
also cover half the cost of emergency hauling in the event of severe
storms, which I didn't know until I read the policy carefully the other
day.

Years ago with smaller boats I originally got "insurance" as a low cost
rider on our home owner's policy.
Then I found out it covers next to nothing, including fuel spills, which
scared the bananas out of me. You don't want to be uninsured for fuel
spills, have an "event" and then have the Fed coming after you for
reimbursement.

Eisboch



And if you have a small cheaper boat, you probably only get liability
insurance, and since the company is not paying for boat loss, probably no
survey needed. My boat cost $20k in 1995 and is probably worth $25k now.
New motor and a T-8 kicker added. And the replacement boats like mine are
now $50-75k. BoatUS has never asked for a survey.

Seems like I remember BoatUS requiring a "self-survey" to obtain their
insurance. Basically a form you filled out.

Eisboch

To sea trial/haul or not -update
 

"Dave Hall" wrote in message
...
On Wed, 19 Dec 2007 23:54:48 GMT, wrote:

It is a specific policy from Progressive for my boat. I have another
specific policy on my jetski. Like I said, they paid a professional
marine salvage company to haul my boat out after it was washed about
60 miles or so down the Ohio river over 4 dams. When it went down
river it had a full tank of gas, the engine had oil in it and the
outdrive had a full load of gear lube. I rapeled down a godforsaken
riverbank to view the boat before it was hauled back into the river
and from what I could see I doubt that any of these fluids remained
intact. The insurnace adjuster said that the salvage company would
take the needed actions to meet environmental requirements to get the
boat out. I never paid a cent nor heard anything from anybody about
the boat so all I can say is I was satisfied. No surveys were asked
for or required. In fact I can't think of any way that I could have
sent them one as I never saw an agent.

Dave Hall


Regardless of who you carry insurance with, you should specifically ask if
it includes fuel spill coverage which has nothing to do with damage, loss or
salvage of the boat itself. Usually the standard coverage is for half a
million and is intended to protect you against claims for reimbursement
costs to clean up the spill. It could be that the Progressive policies
include that, but most homeowner "rider" policies don't.

Eisboch

To sea trial/haul or not -update
 

On Thu, 20 Dec 2007 03:04:06 -0500, "Eisboch" wrote:

It could be that the Progressive policies
include that, but most homeowner "rider" policies don't.

It's odd that you should mention that.

We were told recently that we need to adjust our rental insurance to
include fuel spill insurance.

Seriously. I started looking into it and sure enough - some states
are now requiring additional specifications for residential oil
storage and if those specifications aren't met, insurance is required.

A lot of local farms have had to build spill-proof bunkers for fuel
storage above ground.

To sea trial/haul or not -update
 

On Wed, 19 Dec 2007 23:03:55 GMT, wrote:

On Wed, 19 Dec 2007 16:52:56 GMT, Short Wave Sportfishing
wrote:

On Wed, 19 Dec 2007 05:16:54 -0800 (PST), Tim
wrote:

On Dec 19, 5:02 am, Short Wave Sportfishing
wrote:

I'll second that - although I think one can get carried away with
surveys on new boats under say 25 feet.

Agreed, Tom. When I was considering buying my 23 ft. cuddie, somebody
on here firmly suggested that I demand a survey and sea trial...

For a boat I was going to give less than $2000.000 for?

I can understand as you are mechanically inclined and have no small
knowledge of engines, transmissions and mechanical systems.

For the average schmuck, even at $2000, inspections can be very
important.

If you plan to have insurance, you'll need a recent (less than one year old)
survey. Without insurance you'll have a hard time finding a slip. If you are
planning on trailering, you can get away with not having insurance as long ass
you also don't have any assets to lose. Sale price of the boat is immaterial.
How much you might get sued for is a big consideration.



When I bought my ProLine, at $24,500, my insurance company didn't mention a
survey, nor did I get one.
--
John H

To sea trial/haul or not -update
 

On Thu, 20 Dec 2007 03:04:06 -0500, "Eisboch" wrote:


"Dave Hall" wrote in message
.. .
On Wed, 19 Dec 2007 23:54:48 GMT, wrote:

It is a specific policy from Progressive for my boat. I have another
specific policy on my jetski. Like I said, they paid a professional
marine salvage company to haul my boat out after it was washed about
60 miles or so down the Ohio river over 4 dams. When it went down
river it had a full tank of gas, the engine had oil in it and the
outdrive had a full load of gear lube. I rapeled down a godforsaken
riverbank to view the boat before it was hauled back into the river
and from what I could see I doubt that any of these fluids remained
intact. The insurnace adjuster said that the salvage company would
take the needed actions to meet environmental requirements to get the
boat out. I never paid a cent nor heard anything from anybody about
the boat so all I can say is I was satisfied. No surveys were asked
for or required. In fact I can't think of any way that I could have
sent them one as I never saw an agent.

Dave Hall


Regardless of who you carry insurance with, you should specifically ask if
it includes fuel spill coverage which has nothing to do with damage, loss or
salvage of the boat itself. Usually the standard coverage is for half a
million and is intended to protect you against claims for reimbursement
costs to clean up the spill. It could be that the Progressive policies
include that, but most homeowner "rider" policies don't.

Eisboch


The fuel spill coverage came automatically with my Progressive policy for
the Key West. USAA now forwards their boat coverage to Progressive.
--
John H

To sea trial/haul or not -update
 

On Wed, 19 Dec 2007 17:53:23 -0800, "Calif Bill"
wrote:


"Eisboch" wrote in message
...

"Dave Hall" wrote in message
...

Wow, I have never had a boat surveyed and have never had any problem
getting insurance. Of course my boats are more along the line above
(one was worth about $4,000, another about $6,000. Both were 19 ft
cuddys). One boat was totaled in Ivan less than a couple months after
buying it and the insurance company didn't bat an eye paying for it.
Of course I think they paid more to have the damn thing drug out of
the woods along a desolate part of the river bank and hauled out of
the river to a junk yard than they paid me for the boat ;-)

Dave Hall


Both of our boats (the Navigator and the Grand Banks) are insured by a
major, international marine underwriter.
A survey was not required for either boat to get insurance as best as I
can recall. We may have sent copies anyway, to document the boats'
equipment inventories and to provide engine serial numbers and stuff, but
I don't recall a survey as being specifically required to obtain coverage.
The coverage includes replacement cost, $2 million liability, damage by
uninsured others, fuel spill and, surprisingly, storm and or ice damage
during storage (assuming certain precautions are taken). They also cover
half the cost of emergency hauling in the event of severe storms, which I
didn't know until I read the policy carefully the other day.

Years ago with smaller boats I originally got "insurance" as a low cost
rider on our home owner's policy.
Then I found out it covers next to nothing, including fuel spills, which
scared the bananas out of me. You don't want to be uninsured for fuel
spills, have an "event" and then have the Fed coming after you for
reimbursement.

Eisboch



And if you have a small cheaper boat, you probably only get liability
insurance, and since the company is not paying for boat loss, probably no
survey needed. My boat cost $20k in 1995 and is probably worth $25k now.
New motor and a T-8 kicker added. And the replacement boats like mine are
now $50-75k. BoatUS has never asked for a survey.


I had my Proline covered for boat loss, but no survey was required.
--
John H