Originally Posted by blowinstink
Hi Guys -
I just learned that my new I (to me) boat was struck by lightening 2 days ago. Among the things that I know were damaged were the VHF (powers up but not functional), the Radar scanner, the electrosan marine sanitation processor, one of the electrical bilge pumps and, teh air conditioning unit. The anenometer was blown off too and the masthead is obviously suspect. ALso suspect is the battery charger which appears to be working but not regulation the charge.
My question(s): have any of you been through this from an insurance claim perspective? What things should be considered that might not be immediately apparent? Standing rigging? Is taht an absolute "must replace" after a strike and will the insurers agree? How about the mast wiring? What problems might be lying concealed that I need to find prior to filing (or finalizing) a claim?
It will really depend on you Insurance Company. If you have a third party (which from my perspective is not BoatUS) insurance you can expect different results.
The first thing you need to do is take pictures and have previous pictures before the damage.
Secondly, call it in immediately - your claim can go from 36 hrs to 2 yrs, but sooner is better.
What will happen.
Insurance will record your verbal affidavit, when you call to make the claim.
They will send out a appraiser of their choosing. You can always select to have one of your own however - the supplied is no cost (transparent), and if you select and counter with your own then it is initially out of pocket but may / should be refunded.
Depending on the yard you elect to take it too to repair.. and the overall adjusters experiences with such yard yields some outcomes.
If an appraiser states not to go the particular yard - ask why. If he is ok with the yard again ask why. It effects how the experience will go for you.
The appraiser is the middleman between the yard and your insurance. I do not need to harp on that relationship.
Your insurance is actually third tier even if they are paying. Between you discussion and the appraisers - you have choices.
First off: Make a very detailed list of actual and suspected damages. Make that know to both the adjuster and the insurance com0pany as you know your boat better than anyone (or I hope)
Be honest with your dealing with your broker - and if seems fishy - ask for an manager. If you have BoatUS I can almost garuntee that will never be an issue..(REF MY GROUNDING)
Document everything to the best of your ability, have receipts handy and any eye witness accounts documented..
Depending on your carrier this will be the easiest or hardest event of your insurance experience . Remain calm - stand by your expectations.