Hunter 35 pierced hull Lake Ray Hubbard, Texas - Page 2 - SailNet Community
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post #11 of 26 Old 09-03-2013
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Re: Hunter 35 pierced hull Lake Ray Hubbard, Texas

Hmmm, don't many insurance policies have an exclusion for racing? This news segment may be publicity that he does not want.


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post #12 of 26 Old 09-03-2013
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Re: Hunter 35 pierced hull Lake Ray Hubbard, Texas

Congratulations!
I have to ask: was sinking the boat easier than sawing the log? Seems -- counterintuitive -- but glad it worked; have to add that to my bag-o-tricks.
Now comes the fun part. Clean, dry, prep, rewire, repair, repaint...

Sounds as though he found a forest that was drowned when the lake was made. Has it been marked so no one else finds it the hard way?

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post #13 of 26 Old 09-03-2013
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Re: Hunter 35 pierced hull Lake Ray Hubbard, Texas

I'm sorry about your friend's loss. To address the comments above, I have not seen a sailboat policy that excludes club level racing. Besides, this was not a racing accident, but an unmarked hazzard accident. I would also suspect that the boat would be totalled by the time you address the hole, the engine, the engine oil slime on the cushions and other finishes, and the electrical components.

Jeff


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post #14 of 26 Old 09-03-2013
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Re: Hunter 35 pierced hull Lake Ray Hubbard, Texas

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...I have not seen a sailboat policy that excludes club level racing...
That is good to hear. This was clearly not his fault, and he should be made whole.


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post #15 of 26 Old 09-03-2013 Thread Starter
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Re: Hunter 35 pierced hull Lake Ray Hubbard, Texas

Allow me to add a little more info:

Manatee-I also thought they should saw it free. I talked to the salvage crew yesterday and they told me they tried to saw the old tree but it was like cutting granite. Maybe a pneumatic chainsaw would have done it, but that tool was not in their bag.

Take Five- I called my State Farm agent and asked him if I was insured in the event of a sinking. He told me yes...recovery expense is covered up to the agreed value. Let's say you have a $10,000 boat insured for $10K. It sinks, is recovered (for a cost of $5000) and then is declared a total loss. Insurance pays the recovery team and you get $5000. I was surprised at first but it does make business sense from the insurance companies position.
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post #16 of 26 Old 09-03-2013
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Re: Hunter 35 pierced hull Lake Ray Hubbard, Texas

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Allow me to add a little more info:

Manatee-I also thought they should saw it free. I talked to the salvage crew yesterday and they told me they tried to saw the old tree but it was like cutting granite. Maybe a pneumatic chainsaw would have done it, but that tool was not in their bag.
Never a sculptor & his chisel around when you really need one. What'd you guys find, a petrified forest?

Best of luck on the insurance front. Do you think she's salvable, or is it time to start shopping for another boat?

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post #17 of 26 Old 09-03-2013
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Re: Hunter 35 pierced hull Lake Ray Hubbard, Texas

Wow, that's awful, hopefully some will take the time to dive in the area and mark it off well.....
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post #18 of 26 Old 09-03-2013
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Re: Hunter 35 pierced hull Lake Ray Hubbard, Texas

Sorry about this. Keep us up to date on what options are open. Maybe someone has an idea ? Do they know how large the log is ? Cutting seemed a good option. Men cut steal rock other material but under water could stump us ?
sorry once more , Lou
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post #19 of 26 Old 09-03-2013
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Re: Hunter 35 pierced hull Lake Ray Hubbard, Texas

Scary. Where in the lake did the accident occur? Looks like from your picture, it was fairly close to shore. What marina did they tow it to? I'm at Bayview.
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post #20 of 26 Old 09-03-2013
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Re: Hunter 35 pierced hull Lake Ray Hubbard, Texas

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Originally Posted by rhr1956 View Post
Take Five- I called my State Farm agent and asked him if I was insured in the event of a sinking. He told me yes...recovery expense is covered up to the agreed value. Let's say you have a $10,000 boat insured for $10K. It sinks, is recovered (for a cost of $5000) and then is declared a total loss. Insurance pays the recovery team and you get $5000. I was surprised at first but it does make business sense from the insurance companies position...
That is unacceptable. I used to have my boat insured with State Farm, and when I heard that salvage+loss was limited to the agreed value, I moved my policy to BoatUS. I suggest that you do the same.

In the example you cite above, under my policy with BoatUS, they would pay me $10k and also pay salvage costs up to an additional $10k. In other words, the net payout could be double the agreed value - they'll make me whole for my loss, and they'll pay up to the agreed value for salvage.

My State Farm policy also had no coverage for environmental damage - a huge liabililty. My BoatUS policy will pay up to $854k for environmental damage.

In my opinion, State Farm does not know the needs of boaters, and their policies reflect that. Same goes for their agents - when I asked my agent about coverage for environmental damage, she said "What's that?"

On the other hand, BoatUS knows boats.


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1998 Catalina 250WK Take Five (at Anchorage Marina, Essington, on the Delaware River)
1994 Mason 44 Firefly on loan from my BFF (West River, Galesville, MD)
1991 15' Trophy (Lake Wallenpaupack)
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