My boat sank, what do i do? - SailNet Community
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post #1 of 43 Old 09-03-2006 Thread Starter
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My boat sank, what do i do?

I am so sad. Marina called a few hours ago to report that ernesto took out a pier and my boat is submerged. Called the insurance co, won't know if i am covered till tuesday. Am going up to check it out tomorrow. Any advice?


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post #2 of 43 Old 09-03-2006
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Your insurer doesn't have any type of 24-hour service phone?

I'd try to line up a local diver to go down and check for damage, as well as local resources for hauling it out again and surveying the damage.

A lot will depend on how extensive the damage is. If the boat is repairable, there are some things that need to be done immediately after hauling in order to minmize damage, i.e. if the engine can be pickled (removed, cleaned out with fresh water, and then fully dried & lubed) right away it can probably be recovered. If allowed to sit "damp" out of water for a couple of days...it will develop extensive rust and freeze up the rings.

Then there's the USCG and environmental issues. If the USCG is in your area, and there is any oil slick or film traceable to your boat...you may want to begin mitigation with an oil boom around the hull, before they do it and charge you for it.

This is a good time to get your insurance papers out, all of them, and read them carefully to find out what is and is not covered, and what options you have. Having the boat sit where it is for another 36 hours is not going to make much difference, unless something is pounding, etc., to do more damage.

Your dockmaster may know who you can talk with locally--they've probably had storm damage and losses before.
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post #3 of 43 Old 09-03-2006 Thread Starter
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Thank you hellosailor, that's very helpful.
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post #4 of 43 Old 09-03-2006 Thread Starter
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what is an oil boom and how do i get one?
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post #5 of 43 Old 09-03-2006
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Here you go and good luck.

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post #6 of 43 Old 09-04-2006 Thread Starter
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thank you jerry
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post #7 of 43 Old 09-04-2006
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Sorry to hear the bad news Cassy... UGH... I'm really surprised that your insurance company doesn't have 24/7 telephone service.

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post #8 of 43 Old 09-04-2006 Thread Starter
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Thanks SD. The insurance co keeps somebody there 24/7 to tell us in person that no one will deal with our claim till after the holiday. Saw it today . . . what a mess. Been working on that thing for a year . . . it's been on the hard for eight years, took her for her first sail last week. I am heartbroken.

These things happen. Much worse things happen. But i'm bummed.
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I would check your paperwork and find out what it says about "Named Storms". That will be important, as Ernesto, even though downgraded, still was a named storm.

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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
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post #10 of 43 Old 09-04-2006
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where was she docked?? what kind of damage caused her to sink??
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