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  #1  
Old 04-28-2009
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Sunk Boat

Well, here's an note I hoped I'd never post. Last Friday, my boat (1998 Catalina 36) sank. It was launched on Friday and the yard didn't check the strainer. I got the call on Saturday morning. The yard is accepting responsibility. They've contacted their insurance agent and will be making a claim.

During the sinking, the boat was tied in a slip. When I got to the marina, the boat had already been pumped out and the leak was stopped. As far as I could ascertain, the boat was listing to bow and starboard before she was pumped. The deck in front of the mast was submerged. The cockpit was dry.

Down below, the water reached the top of the hanging lockers and cabinets in the main cabin. All electrical componants were submerged. I think the water covered most of the engine but there was no fuel or oil leak. The yard had the engine running and was tending to it throughout the day.

I've hired a surveyor to do a damage assessment and yard's insurance company will send an insurance adjuster to do the same. Although my surveyor hasn't examined the boat, he suspects the boat should be totaled. I'm concered the yard's insurance company will elect to fix the boat.

I'm sure, unfortunately, that this has happened to others and I was hoping to get some advice about what to look out for, especailly any experience any has with dealing with insurance companies during instances like this.

Any advice would be greatly appreciated.

Thank you,

Greg
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Old 04-28-2009
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No advice here; but so sorry about your boat! That's a lousy way to start the season.
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Old 04-28-2009
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Oh man...I'm so sorry.
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Old 04-28-2009
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It's a shame about your boat. Good thing is the yard is accdepting responsibility. I am always present for the launch. For the very reason you mention..........i2f
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Old 04-28-2009
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Wow

Bummer, Cuz.
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Old 04-28-2009
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Greg, I am sorry to hear of this.

I have been through some what simular as my boat was invoked in a collision (Not my fault). So far you are doing everything you can. Depending on the state you are located, the marina insurance may want to get things done fast as they can be on the hook for interest. I would advise that you do not let anyone start taking about FINIAL Settlement amounts until the boat is on the hard and the cabins and everything is opened up. In my case, the other guys company kept coming with a different figure each week. But every time we disassemble a cabinet or looked behind something more damage was found.


Do NOT Trust the repair estimates that a surveyor (his or yours) may tell you. In my case they offer me $6,000 and told me I should be happy with it. When thing were all said and done there were $45,000 of repairs made. You need to find a repair yard to come out also and give you an estimate. It is those guys that have a better understanding of man hours and materials.

If I can be of help to you, please let me know.
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Old 04-28-2009
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Yikes!!

I assume she sank in salt water given your location?

How long was she down?

Issues that I would look out for is wiring, fuel, residual salt water on block, all cushions and fabric replaced, electronics, windlass (if you have one).

THe bulkhead on your baot is a marine grade plywood with teak veneer. My uneducated guess it that, depending on how long she was down, you may be allright there. The veneer might peel though. We have had that issue on a couple of Catalinas. You can replace the bulkhead in that boat - but it is a moderatle expensive ordeal. As I recall, we had one replaced for about $15k.

Depending on how long she was down, the damage may not be as bad as you might think. I know your boat pretty well. The cabinetry is a minimum veneered teak, the faces and front of doors are solid teak, there is a fair amount of fiberglass, the hull is solid glass and decks cored, but I doubt she was down long enough for intrusion into the coring, the flooring on that model is a varnished/coated mg plywood with thick veneer. If it was necessary (which I doubt), all that can be replaced new from Catalina.

Like I said, just knowing the boat and making the assumption she was not sitting on the bottom too long, I would think she was salvageable. I would ballpark value that boat in the 70-80'k's. I believe a friend of mine sold is 2003ish for right at 100k, so this is a wild guess depending on what you had on it. I figure they can have that boat up and running for well less than value.

My only concern about repairing the boat is disclosure should you wish to sell her in the future. I would think you would have to disclose that she sank which might make selling her in the future difficult and likely under value for the boat. That will be something you will need to discuss with the yard, surveyor, and adjuster. I would think they would need to compensate you considerably in some way for that.

I do remember talk of a boat that sank here not long ago of a lot of wrangling about the value and how it would be handled. Seems I remember the insurance company kept coming in way low. They also went back to them several times as I recall as other items came up. I am not blaming the insurance company. THey are simply looking at numbers and value to repair versus total value of vessel. But you need to have your act together and be ready to discuss all these things before they arrive. A solid check list and walk through the boat would help. Hopefully I have given you some ideas.

- CD
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A few other things come to mind. You have on going expenses. Start keeping track of those. Loss of use, is a expense. slip fees, hauling, boat payments you will be making while you are not able to use your boat, boat insurance.
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Quote:
Originally Posted by bubb2 View Post
Greg, I am sorry to hear of this.

I have been through some what simular as my boat was invoked in a collision (Not my fault). So far you are doing everything you can. Depending on the state you are located, the marina insurance may want to get things done fast as they can be on the hook for interest. I would advise that you do not let anyone start taking about FINIAL Settlement amounts until the boat is on the hard and the cabins and everything is opened up. In my case, the other guys company kept coming with a different figure each week. But every time we disassemble a cabinet or looked behind something more damage was found.


Do NOT Trust the repair estimates that a surveyor (his or yours) may tell you. In my case they offer me $6,000 and told me I should be happy with it. When thing were all said and done there were $45,000 of repairs made. You need to find a repair yard to come out also and give you an estimate. It is those guys that have a better understanding of man hours and materials.

If I can be of help to you, please let me know.
There you go.... someone that has been there. You might also take a look at Mike's (Bubb2's) location in the country - nudge, nudge. Mike is a great guy.

- CD
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You should think about having an attorney on this job just to make sure your rights are all covered. It's not that you need one to try to screw the yard or the insurance company, but just to make sure that you aren't getting screwed.
Mike
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