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  #71  
Old 07-31-2012
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Re: My Boat was Hit Bad

Quote:
Originally Posted by BentSailor View Post
@cktalons: I sympathise with your plight. It's never a good thing having to wait on beauracrats to decide the future of your home. Been following the details of your predicament over on CA. Any news yet on the costs to fix?

@SimonV:
And here I thought sailing was about as far as I could get away from explosions and shrapnel damage! What caused it?
The boat sank and after sitting on the hard for 18 months was bought from the insurance company then on sold to the new owner who stripped it out and spent close to 50K on refitting. It had just been re launched to finish the fit out, But no one had got around to checking the hot water services. So a frozen safety valve caused a steam explosion.
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  #72  
Old 07-31-2012
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Re: My Boat was Hit Bad

Note to self - check the safety valve BEFORE turning on the hot water system for the first time.

Thanks for the details, Simon. I can almost feel the physical pain the owner must have had hearing of the explosion that peppered the side of your vessel.
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  #73  
Old 07-31-2012
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Re: My Boat was Hit Bad

Quote:
Originally Posted by BentSailor View Post
@cktalons: I sympathise with your plight. It's never a good thing having to wait on beauracrats to decide the future of your home. Been following the details of your predicament over on CA. Any news yet on the costs to fix?
BentSailor:
Thanks. I'm cagey about releasing too much info at this stage, because nothing has been finalized. My prediction is that the insurance company, BoatUS, will try to total the boat, as the cost to repair is, for lack of a better word A LOT. I have a copy of the estimate, and to repair the boat will cost (depending upon how much cosmetic work I'm willing to personally put into her) between $17k-20k. It's likely that the insurance company will try to put the value of my boat lower than the cost to repair it.

This boat is a live-aboard: my home, not a daysailer sitting in a marina. All of this is more complicated, stressful, frustrating, maddening, and saddening because this boat is my home. Repairing it would take two weeks of being on the hard. Not repairing it means I have a hole where I live while I look for another boat to live in, which is more than just numbers and boat haves and have-nots, but the emotional aspect as well.

That's the update. The great people of both Sailnet and Sailing Anarchy have been so helpful and encouraging. I love the sailing community. Thanks for the continued advice, support, and thoughts & prayers. Everything helps.
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  #74  
Old 07-31-2012
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Re: My Boat was Hit Bad

ck-
"It's likely that the insurance company will try to put the value of my boat lower than the cost to repair it."
Which is why it is VITAL that you speak to the state insurance commission, and find out how the law requires/allows the insurer to come up with that value. Get this in writing, find out the code they cite. Sometimes it can take two or three days of phone tag to get those folks so it may pay to make a visit.
The thing is, insurers KNOW that you don't know the law, and they will often grab a "value" by saying "Well, there was one sold last year in Maryland for..." ignoring the fact that the listing didn't disclose a dead engine and rotted out decks.
Values are for comparables, and comparable often aren't available, at which point the laws also usually dictate what shall be done. I have seen an insurer literally QUADRUPLE their valuation after they were reminded of the laws. The supervisor I wound up dealing with said the adjuster I had spoken to was a nice young girl and what did I do, I left her in tears. I said she's lucky I didn't have her calls recorded, she'd have been arrested for extortion. And she would have been.

As they say in the MBA-infested canyons of Manhattan, "Don't piss on my head and tell me it's raining." These people are not your friends, they are adversaries in a zero-sum game.

Again, you really want to have a chat with your insurance commission. And/or your friend the attorney.
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  #75  
Old 07-31-2012
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Re: My Boat was Hit Bad

CK, do both you and the "at fault" owner both have BoatUS? You are in negotiation with the other owner's insurance agency. If it isn't to your satisfaction, have your lawyer serve papers and pursue a legal remedy. I am sure that the other guy has at least $100k liability insurance and if not, go after his personal assets. Something you might want to consider is reviewing your own insurance policy and “up” the agreed value on your boat. That way, if you encounter $15-20K of damage in the future, you will be covered (after-all, it only takes one bad grounding on rocks to rack up a big repair bill).
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  #76  
Old 07-31-2012
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Re: My Boat was Hit Bad

Courtney I'm curious, with you being a live-aboard has the insurance company made any provision for where you're going to live while the boat is in the yard being repaired?

Best of luck,
Jim
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  #77  
Old 07-31-2012
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Re: My Boat was Hit Bad

My attorney is working on it. I'm not okay with a boater ramming my home.

Jim, no, so far the insurance company has not tried making me more comfortable. They don't seem to care that I lived aboard. Hence the attorney's involvement.
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  #78  
Old 07-31-2012
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Re: My Boat was Hit Bad

Stay steady and, as I said earlier, what the insurance company may be obligated to pay under whatever coverage they agreed to provide, does not necessarily limit what the party that caused the damage is legally liable for. If they only had 5 cents in coverage, that doesn't mean paying it all to you is good enough. Get your house back.

Glad you're getting professional advice in your state.
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  #79  
Old 07-31-2012
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Re: My Boat was Hit Bad

Quote:
Originally Posted by cktalons View Post
...Jim, no, so far the insurance company has not tried making me more comfortable. They don't seem to care that I lived aboard. Hence the attorney's involvement.
I've dealt with BoatUS a number of times over the years and they always struck me as very agreeable and professional, in meeting their contract obligations.

Does your BoatUS policy have the explicit Declared Value figure, which defines the maximum payment for repairs/loss, and wording that excludes "loss of use" from covered damages? If so, to BoatUS this is a straight forward claim. If the repair estimates exceed the Declared Value they will quickly pay you the Declared Value and then own the boat. .

Now the situation stinks, I've been there myself, but it not the fault of BoatUS. You need to go after the other party for your uninsured loses.
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  #80  
Old 07-31-2012
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Re: My Boat was Hit Bad

Quote:
As they say in the MBA-infested canyons of Manhattan, "Don't piss on my head and tell me it's raining." These people are not your friends, they are adversaries in a zero-sum game.
Hey Hellosailor, don't hold back, tell us how you really feel about insurance people.....

CK, Sorry to hear about your situation - hope this gets resolved to your satisfaction.
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