Insurance payment on refloat/slavage
A good friend of mine has(d) a 24' SeaRay BR. Over the weekend we had monsoon rains. The cover pooled up with water and then split. It dumped a tremendous amount of water into the boat all at once. The bilge pump outlet is only about 6" above the waterline at the stern. It was determined that the weight of the water overcame the pumps and sunk it at the dock.
BoatUS came and refloated and towed to a safe area. Bill was about $3k all in. They took the Insurance claim # and left. Now, the Insurance company(Allstate) is stating they will only pay $500 of the $3k and deduct the rest from the payout. If he'd known that he said he would've left it sunk and they could have arranged the job. Does that sound right on the payment? I have had my problems with INS co's and their BS policies before(do a search here) and think they are trying screw him. |
Sounds like BS to me too. 3k does not seem out line for what they did.
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Originally Posted by Cash Bar
(Post 3067860)
A good friend of mine has(d) a 24' SeaRay BR. Over the weekend we had monsoon rains. The cover pooled up with water and then split. It dumped a tremendous amount of water into the boat all at once. The bilge pump outlet is only about 6" above the waterline at the stern. It was determined that the weight of the water overcame the pumps and sunk it at the dock.
BoatUS came and refloated and towed to a safe area. Bill was about $3k all in. They took the Insurance claim # and left. Now, the Insurance company(Allstate) is stating they will only pay $500 of the $3k and deduct the rest from the payout. If he'd known that he said he would've left it sunk and they could have arranged the job. Does that sound right on the payment? I have had my problems with INS co's and their BS policies before(do a search here) and think they are trying screw him. |
Thanks for checking into this for me.
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Next time call the ins. co. before doing anything, and leave the POS at the bottom of the dock... It seems to me that they have little interest in actually preserving any of these boats....
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Originally Posted by wjb21ndtown
(Post 3068918)
....... and leave the POS at the bottom of the dock... ....
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Originally Posted by US1 Fountain
(Post 3068919)
I don't think that is a possibilty. When boats go down in our marina, they have to be refloated asap to keep the oil/fuel, battery acids and the rest from leaking out. The EPA would have a feast.
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Several yrs ago I hit a under water reef on Erie and lost a drive. Had to call BoatUS (or whatever the tow service is there) for a tow back to Put In Bay where we were staying. Since the driver could not boat up next to us do to teh shallow water and underwater reefs, he actually dropped anchor and waded over to us with a tow rope (and paper work) and towed us back. Do to him physically getting out of his boat, it classified the service as a salvage operation, not a simple tow service. Difference was a good $2000. Talk about feeling your guts drop to the floor when handed a bill. I about chit. We had Allstate at the time. As it turned out, do to the 'salvage' classification, Ins. paid the tow bill 100%. If it would have been a simple tow bill classification, I think the amount Ins would have paid out was under $100???. And to think, I considered pushing my boat out to deeper water to make the bill cheaper, or so I thought. I believe we talked with an Allstate office based out of Chicago or near Lake Michigan, at the recommendation of BoatUS since that agency deals with this type of claim, vs your regular home/auto agency that normally doesn't work with claims.
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We had issues this weekend also,:party-smiley-004:
Sea Tow wanted 250$ and 15$ per for the first hour. then 250$ for each hour after that. these guys from Pink Marine Contractors were in the area and did it for free. |
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