Join Date: Feb 2010
Location: Narragansett Bay
Thanked 327 Times in 307 Posts
Rep Power: 8
Re: Boat insurance question
My situation would have been ripe for the scam. We schedule our haul outs in early Sept. I was literally scheduled to come out for the year about a day before land fall in late Oct. The cost of a quick haul is entirely different than winter storage, which includes the haul and relaunch, along with storage in one per sq fee.
To effect the scam, the yard would have to bill the hurricane haul separately and then reduce the winter storage accordingly. Since it did not cost me one cent more than I was planning to pay for the winter, why would the marina fake it and the insurance company feel the need to pay? Many asked the marina to break the bill down and identify the haul as hurricane related, not winter storage related. That's dishonest and a scam, IMO.
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In the harsh marine environment, something is always in need of repair. Margaritas fix everything.