ASA and PSIA Instructor
Join Date: Apr 2000
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A very bad circumstance. To the best of my knowledge, patching an Awlgrip finish is to be avoided.
Definitely approach the yard manager and see if they will take ownership of the problem.
Mostly likely they will not.
If they do accept ownership, the next question would be if they will cover the full cost of painting at least one side of the boat, let alone both, out of pocket so you are set right at no cost to you. Should the yard do this, you have found the best-yard-in-the-country.
A little more likely, they may accept responsibility but refer the damage to their insurance company.
Most likely, they will deny responsibility (they may actually not KNOW that the damage was not pre-existing), in which case you can only take the problem to your insurance company. When your insurance company offers to pay, they will deduct your decuctible from the offer.
Either insurance company will depreciate the paint job, probably over 10 years, before determining payment, so the best settlement you might see could be 50% of the repaint cost, maybe less your decuctible. If you can get them to use a longer period, such as 20 years, you are in better shape.
Unless you are willing spend 50% or more of the paint job out-of-pocket, or are lucky enough to be in the best-yard-in-the-country, you are most likely out-of-luck and will have to live with the new look.
Should you take a payment from your insurance company and not repaint your boat, they will lower the insured value of your boat by the full cost of the paint job not done. There is no money in any of the above cimcumstances for possibile lawsuits, or threats of such, etc. unless you have a pal lawyer who has nothingelse to do...
Certified...in several regards...
Last edited by sailingfool; 11-23-2009 at 03:25 PM.