Here's the deal; Homeowners is only covering a few grand. I don't have collision on the boat. Homeowners; The tree is on the neighbors lot and there is no recourse. I needed a rider in the policy, just like what I did with my Rolex.
Get it fixed? or just bail and get another boat for next year?
updated damage pictures; https://picasaweb.google.com/02603se...eat=directlink

link to pictures

https://picasaweb.google.com/02603se...eat=directlink

ouch, that had to suck coming out and seeing that. Certainly fixable though. I guess you just have to run the numbers to see what works best. Whats owed on the boat, whats it worth damaged, what position you'd be in on a new replacement boat.

Man that stinks. Can't you go after the neighbor's insurance? Or go after them, and have them go after their own insurance? Kinda of a Sh!tty way to go about it, but not sure whet else to do. Insurance is such a joke these days. Good luck.

Ouch that sucks! The best lesson here is to save our OWN money istead of depending on insurance because they ALWAYS find a way to screw the honest people, only the dishonest seem to get stuff covered, which in turn raises the rest of the honest insureres rates.

i no in ct the neighbor would be at fault, get a police report and pictures ,have there insurance pay for it .

Unless a documented issue existed with the tree that fell it is considered "an act of God" and the neighbors insurance is free and clear.

I had a situation like this once with a tree at a rental property. Tree took out the neighbors fence and my attorney advised me not to pay for repairs (just wanted to be a nice guy) because he said it could be viewed as an omission of guilt and my good deed could turn into me putting a new roof on their house and getting them new siding.

Now if the tree in question had been mentioned to the neighbor previously (rotten, leaning, etc) and you happen to have a certified letter stating your concerns than the neigbor better get his checkbook ready to buy you a new ride.

Definately a bummer deal and like Dave said run the numbers of what the boat is worth parting out/replacing versus repairing.

Best of luck

oh for reference sake just looking at the pics its about a 10K repair (off the top of my head)

Police do not investigate acts of God or Property Destruction unless it is criminal, which this is not.

The neighbors insurance could be liable, unless maybe your boat was actually on his property without his knowledge.

Looks like your risers were leaking pretty bad.