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post #1 of 15 Old 03-19-2018 Thread Starter
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Storm damage log

Out at Sea Chase 2 today to survey damage from the last storm that toppled one boat into mine, and mine into the next.

Sailboats look strange without a mast. Something is missing, but it also looks sleeker, uncluttered, a heavy powerboat waiting to happen.

Structurally, the hull looks sound. A few scratches. Some flaked off bottom paint that looks to thick for its own good.
Inside, damage is minor. One side berth has broken away from hull and tabbing, some fiberglass work needed.
Can't tell if Bimini and dodger frames are bent or will snap back into place.

Unfortunately the rigging quote came in at more than the insurance coverage. Going to need to find a solution to this, whether it be insurance cos duking it out over apportionment of blame/costs or finding a cheaper set of rigging second hand.

More to come as the saga progresses.



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post #2 of 15 Old 03-19-2018 Thread Starter
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Re: Storm damage log

Anyone know a good place to look for used masts and other rigging?

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post #3 of 15 Old 03-19-2018
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Re: Storm damage log

First I'm really sorry this happened to you. Hope you are able to salvage some of this season.

That said, It may be in your interests to hire your own Surveyor to compare notes with the Insurance guys findings. The Insurance Surveyor is there to protect the Insurance companies interests, not yours. That busted tabbing inside the boat is structural, and every bit of it will need to be inspected and properly repaired to maintain the boats structural integrity.

The Insurance company will try to give you a settlement with no recourse if repairs exceed the initial estimate. I don't know about you but in my experience many boat repairs, cannot be accurately estimated ahead of time, especially ones of this nature, where you may find more that you expect when you get into it.

Do not trust the insurance company to have your interests in mind.

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post #4 of 15 Old 03-19-2018
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Re: Storm damage log

Do keep in mind that should the insurance company "total" the boat, you probably will not be able to get insurance on that hull again. Insurance companies keep very good records of this stuff to prevent future fraud.
After they pay you off, they own the boat and will be looking for anybody to give them money for it, so they don't have to scrap it at their expense. You would be much better off to take their money and buy another boat.
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post #5 of 15 Old 03-19-2018 Thread Starter
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Re: Storm damage log

Good points capta and Palmetto, thank you both.
I have to learn to keep a level, calculating head on, not let emotion cost me several thousand that I can't afford.

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post #6 of 15 Old 03-19-2018
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Re: Storm damage log

Needless to say, there must have been a pretty good stoving-in of the hull to cause the tabbing to break loose. It is good that the hull popped back, but, I would imagine there could be delamination in that area. I second the thought of a unbiased survey.
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post #7 of 15 Old 03-30-2018 Thread Starter
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Re: Storm damage log

Talked to insurance guy today on phone and he confirmed that since mast cost > boat cost then it's going to be totalled.
I may have option to receive cost and keep boat, or sign boat over to them for disposal. What I don't know yet is what they consider cost value of boat.

Take money and run, or take money and attempt to fix mast/rigging/other over this spring?

I think suggestion of an independent survey is good, maybe I'll use same guy I had when I bought it.



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Re: Storm damage log

Maybe contact USspar and others, and learn the new mast cost...and their lead time.
Even if the boat's rigging is still mostly good, adjustments would probably need to be made to mate to new mast.
Check all-new rigging costs.
Seemingly small things can turn into big bucks.

With the ins buyout/paying off, that's a known.

Good luck.
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post #9 of 15 Old 03-30-2018
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Re: Storm damage log

If you have agree upon value insurance, you know how much money you will get. Take the money and run.
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post #10 of 15 Old 03-31-2018 Thread Starter
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Re: Storm damage log

Quote:
Originally Posted by Hudsonian View Post
If you have agree upon value insurance, you know how much money you will get. Take the money and run.
Actual cost value policy. Won't know until they send me in mail how many $$$

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