awesomecat26

There is some evidense that we struck something submerged .I talked with the origional claims adjuster's boss today any he gave me 2 options # 1 I hire some one to go look at it and they hire someone else to look at it also .#2 they hire a structural engineer to go look at it .I'm leaning twards option #1 and searching for some one to look at it on my end they didn't say what they were thinking of next when the new reports came in at this point I 'm still playing along nicely

vandeano

I never knew motors were covered by insurance, unless the boat sank or something then I could see the engine being covered. Hell that means I have a life time extended warranty on my engine. Who cares what the factory warranty is on your engine if you have boat insurance. WOT here I come. . If I only new this earlier could of saved me thousands. I guess the same would go for an automobile. This site is awesome

Beak Boater

Be very carefull what you claim. Have a friend that had a bottom delaminate and boat sunk. Insurance wrote him a check per an adjusters estimate of damage. After recovery costs and rebuilding of the trans, drives, engines and repairs of water damaged things, boat is good as new. He just got the news from his Insurance Co. They will not be renewing his policy for his boat. He has all his buisness insurance with them, still cannot leverage them by threating to pull it also. To make matters worse, when he has tried to get insurnace from other carriers, one of the first questions on an application is has your policy ever been cancelled or denied from another insurance co. He got the claim paid and boat repaired, now he is talking about selling the boat because of insurance problems. Catch 22, got to have it, if you use it you loose it.

ratman

is it in bad taste to tip an adjuster?

fishead

Not really Vandeano.For instance if a rod failed and tore up the engine it would not be coverded because the failed rod was the problem.Mine was different.I had to prove that the alternator Bracket broke.That was the mechanical failure(not covered).When the alternator fell it took out the belt for the external oil pump and there for the engine ran without oil pressure and blew.That was the damage caused by thye failure.It is a fine line.

Kidnova

I agree, you should go with option #1.

If there is evidence that you struck something, then this should be a slam dunk...sorry, no pun intended. You should defineitly have someone inspect the hull, on your behalf. My best guess would be to locate a marine survryer, or reputable boat hull repairer.... a company, that is "name brand" and or known, i.e. not a "back yard" specialist, if you know what I mean.

As far as how to handle the adjuster and or ins. carrier, I would suggest you play nice, for as long as you can. When I handle a claim, if someone is fair/reasonable/good with me, I'll do as much as I can for them. But if someone wants to jerk me around, lie, or be an azzhole, I will make their life miserable.....just human nature I guess.

Keep a log {names & dates} of your conversation/s with reps from the ins. carrier. PIA but if this gets dragged out and/or goes to court, records relatve to your claim will come in handy.

Also, do what you can to mitigate the damage to your boat. If things get worse from the boat just sitting there wet, the ins. co. may not pay for the consequential or, additional damage if you don't do what you can to prevent further damage....this is important. Also be sure and save any and all receipts regarding mitigation as you will likey recover that $$.

Best of luck.

awesomecat26

The boat is at a very reputable repair place with the owner having much expierence in this damage G Smith suggested the same thing and said don't even hire someone else tell the ins. co. I allready have someone knowledgable looking at the boat { the repair facility } and feel free to send out someone else that does know what they are doing to look if you want. I discussed this with the repair facility and the plan we came up with is . call the adjustor back and tell them we have a very detailed estimate and the lowespossible amount to fix it here it is lets just cut out all the bull of this person looking and that person looking and save the costs of dragging this on heres the one time deal if this isn't accepted you can't go back to this figure and it will be full shop rate to get it fixed and see if they don't pay . if not I guess its time to call my attorney .

vandeano

Got it.....I just always thought anything to do with a motor was a separate policy, more or less like an extended engine warranty. One could look a an extended engine warranty like this. " If I through a rod that went through the oil pan and proceeded to rip through my hull and boat sank and caused all kinds of water damage if my extended engine warranty would cover my repairs to my boats physical damage." You kind of see what Im getting at with regular boat insurance....I just thought the engine and boat were 2 diferent types of policy.

Kidnova

Sounds like you're all set with the repairer, that's a good thing. It sounds like he will need to verify/proove to your ins. co. that you did in fact hit something, in order to get coverage for hull repairs.

As far as the cost to repair, it is what it is $$ wise. If you have a covered loss I wouldn't bother wheeling and dealing with the ins. co. Just give them a competitive/reasonable estimate and that should take care of it.

If you have a legit/covered claim, and the ins. co. doesn't pay, then it's atty time. Suggest you get an atty that specializes in insurance related issues, if that's what it comes to. I've been involved with insurance in one capacity or another for about 25 years. I've found that when there's a dispute, it's usually due to ignorance of policy coverage, on the part of the insured. But every so often it's the adjuster who screws up. Or, sometimes the insured is trying to screw the ins. co., or on occasion, vise versa. It can be a real PIA

Hope you get it settled ok.