$.....Iíve used paid captain/crew twice. Both times resulted in things getting broken. Lines chafed through. Fittings broken. Electronics messed up. Stains. I keep my boat Bristol. Itís time and money to get her back up to snuff after a paid delivery. Wonít do it again except in extremis.
I totally get that. I had a great skipper and he had access to various crew. I was actually connected to him, when another had to cancel at the last minute and made this recommendation. We actually became very good friends over time. He did several deliveries for me and got to the point where he was reluctant to charge, but I insisted. We visited each others homes, etc. I never questioned the condition of my boat. Yes, some things would break, but they were always wear and tear that would have broken for me too. There were times he did the delivery with crew and times he came along as my crew. Loved the guy. He passed away few years ago, at a young age, and I miss him dearly. Irreplaceable, both in competency and friendship.
If there is anything I could add, I do find you are likely to get what you pay for. Lot's of part time, inexperienced working for beer money. My friend had crewed aboard mega yachts and schooners and made several Caribbean deliveries per year, each way. My vessel was childs play for him.
What has me appalled is my hurricane risk in R.I. during the ďhurricane seasonĒ is comparable to that with it sitting in a cradle in the southern bays of Grenada. Is not logical I should be treated as the same risk as a boat on the hard or in the water in the leewards or Bahamas. The risk June to November is actually higher in Florida, the Carolinas or even Jersey.
I get what you're saying intuitively, but I wonder if the math really works: Grenada v RI?
Grenada did take a Cat 3 hit about a dozen years ago and took a Tropical Storm hit in the last few years, as I recall. Perhaps this is suggesting some changes in pattern that are spooking the insurance companies. RI hasn't taken a direct hit since the 80s, unless I'm failing to recall. Many near misses.