Heading back south. how is your program going? was going to long island but put it off. be in fla.tues the latest...........m.m...........

Jay where have you been..hpw the rigg..let me know if you need anything.......

mike

Been around, Still doing hurricane repairs to the house, more yard work as usual, working on the trans am alot. Going to send the block and heads to laz this week or next week and get that started. Been doing alot of welding lately on the car. I took off all the stuff for the apache but since the insurance company is snooping here on Offshoreonly and watching what I post up with pics and how much horse power I have and other things I feel its safer that I keep a little quiet cause supercharger pulley changes are death from above.
Hey Mr Insurance *******, If you are reading this BITE ME!

...i'm guessing no insurence AGAIN

mike

Insurance is a must..........good luck.....................p.m..if I can help.....my 41 is old like yours and covered from the prop nut to the bow eye......m.m...

Jason

That stinks your having problems with insurance The boat is built like a tank, but the insurance companys only see 850 hp blower motors, 1991 model year, and worry. Hope everything works out.

Carl

Guys its not the engines, Its the fact that I can change blower pulleys (if I put different set of pulleys on there I can get upwards to 1000 or more HP) if I change pulleys I can drop down to around 550-600 HP with some insane small pulleys. The ease of bumping the HP mark way high or way low is what they have a problem with. They wanted me to pull the engines out and dyno them on my dime. Im like are you nuts? Im not pulling engines that run great out of the boat cause YOU have a problem with 600 HP or whatever. They came snooping on here OSO looking for my boat and the power and speeds and any other information they could get on the boat and I have a list of things I have to fix before they will bind my policy but the engines need to be squared away first.
I hate to say this but I am VERY bitter right now, Im more pissed at this whole thing than any of you could imagine. I have hated insurance companies since my dealing with them back when I turned 16 and the rage just grows and grows the more they jerk me around as I get older. Mark I realize I have to have it that is a no brainer. Problem is these guys are almost the only game in town so my hands are tied and they wont bind me until they have signed affidavit stating exactly what HP engines are and they have their magical phantom speed to HP calculator and with 850's they are saying the boat is well into the 100 MPH range which is going to bump my premium up 35%.
You all know this, How many damn 41 apaches are over 100 that are pleasure versions?
Come on now, And with 3 blade props slipping 27% puh leze but they have their calculator that knows every facet of boating and can easily say my boat is good for 108-110
Yeah, My GPS has not even shown me 80 yet.
So I dont know what the F im going to do, I might just sell this thing and just forget about boating for a while until these moron insurance companies decide to write marine policy's in the state with the most registered boats in the continential United States.
As it was, If a named storm comes along they will NOT cover any damages from the minute a hurricane warning is put into place until its lifted so 80% of the reasons for a claim down here are all on me and they wont cover anything as it is.
Nice way to get out of your responsibility.
Maybe we should all open our own insurance companies and we can put rules into play like homeowners, we will cover you 100% except for the following issues
Fire
theft,
Storm damage
water damage
termites
lightning
trees falling on it
kids in the neighborhood throwing rocks etc
driving your car through your garage door
earth quakes
mudslides
snow
rain
wind
any damage other than these things only limited to 27.50$ anything over 28 bucks in damage you are responsible for.
Okay your premium is 8500 a year due in advance and if not ill send Vinny to come and break your legs (which also is not covered) and if someone slips and falls on your property you are liable cause you must have screwed something up.


Insurance companies play the laws of averages and sometimes their actuary's are wrong and they take a hit, Dont mind making billions for years and years when there were no storms down here to really speak of, but have 2 crummy years in a row and they all bail out of the state and shaft everyone of their customers cause they dont want to loose money.
Or they come up with this bullcrap way of shedding their responsibility so they dont have to pay.
Needless to say im looking elsewhere for insurance since I can not believe insurance underwriters would come on to OSO and start snooping for specs on my boat and things of that sort.
And if you are reading this Mr Insurance underwriter, Why dont you come up with an insurance program for us that are and always will be responsible boaters with decent equipment that would never put a claim in unless necessary and we really need some peace of mind that you Actually will be there for us not waiting in the bushes to yank our shorts down and take a pic and run and shaft us.
If you are having me jump through this many hoops just to GET a policy I cant imagine dealing with you people If I actually needed help and had to put a claim in.
Are you going to give me the 9000 question quiz if I put a claim in? Are you going to deny me if I have a legitimate claim but since the dash board of my boat is pink is that reason to deny me?
I have 3 bilge pumps on the boat and the float switch on the pump in the cabin is broken so I need to replace it, Take pics of it and send it to you with a description of what I did and how I repaird it.
Does this sound NORMAL to you guys?
Yes im going to replace the whole bilge pump thats all fine well and good and im going to do that for ME not for the insurance company. But are you going to come and inspect my boat every 3 months and tell me my policy is on hold until I paint the deck or remove the screw under the seat cause its worn or whatever.
Where do you guys stop?

Okay im done venting now.

That really stinks...

Can't Herb Stottler give you all the build sheets/dyno sheets on these motors and certify their power ratings?

Usually the ins. co's cover you for what you say you have, if there is an incident and they find out you don't have what you stated then you're not covered.....

When I bought my boat there was a few things that I needed to repair, it didn't require any "pictures", just a signed document that I sent them.

Jayl,
That sux.. Here is a place you may want to try 410-287-9400 Ask for Stephanie @ X 247.. It's Jackson Marine Insurance.. Stephanie & the owner of the company are friends of mine.. They may be able to help you.. Tell Stephanie that Jamie from Lakeside gave you the #..

Hope It helps, if not maybe they coud guide you in a better direction.. Jamie / Lakeside

The problem is if I take the crank pulley and move it to the blower and the blower pulley and move it to the crank it becomes 850 from the 600 they are detuned to now.
If I purchase a pulley for each crank I can bump the HP up and they are uncomfortable with this. What do you want me to tell you then? You can change this all day long if you want to.
Herb wont sign anything since he is not the last person that went through these engines. I dont know who is but Herb knows he is not the last one to touch them.
This is just a royal pain in the ass is what this is.
Like I said if its this much hassle to get a binder on the boat I cant imagine if I actually DID need them for a claim what they would want then, Oh you hit some submerged object, well we need the engines pulled out and dyno'ed, the cleats must be removed and inspected and the steering wheel dusted for prints so it assures them I was driving?
Im just very leery at this point that this company is worth it or not.
Ever get a gut feeling you are going to be royally shafted? I just have a feeling if I go through with this policy that is what is going to happen in the event I need them.
I can just see it now, If Im running along with Rick in his pantera and im in the apache, oh well you were racing so your not covered.