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Post by footy3 on Dec 20, 2018 14:54:11 GMT -5
I don't think the insurance company will have any claim against a marina. Normally, for an insurance company to try and recover form some third party, there needs to be some negligence on the part of the third party. In a case like this, it's not the marina's fault, it's the hurricane's fault, and that is the exact risk the insurance company is insuring against.
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Post by jski59 on Jan 9, 2019 8:54:26 GMT -5
Been dealing with insurance but I thought I'd share some photos...there's a good amount of damage, but amazingly no holes to the outside of the hull or anything below the waterline. Biggest damages areas are t-top, live well, cowlings and covering boards. There's also a decent impact hole/crack in the deck behind the leaning post, but I checked and it doesn't go all the way through nor did it impact the fuel tank. Surprised that the t-top mounts are still solid, nothing tore loose....the whole top just twisted over. Radar and antenna is obviously gone but outrigger bases worked fine. Pulled the cowlings off and there's no impact to the powerheads, although one skeg did lose about a 1/2" off its tip. I've been thinking about this quite a bit and can't decide if the engines/tilt flexed enough to hit the floor or if the whole boat moved. All the electronics powered up fine but I didn't try to start it. Upholstery is shot. Insurance totaled the boat yesterday but I'm leaning towards buying it back and repairing if the numbers work. Obviously my biggest concern is any lurking damage but I don't see any structural problems...insurance co sent a third party surveyor and he agreed that its repairable. I appreciate everyone's opinion! Attachment DeletedAttachment DeletedAttachment DeletedAttachment DeletedAttachment DeletedAttachment Deleted
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Post by outtadblue on Jan 9, 2019 9:15:46 GMT -5
She really held up well considering what she went through. I’ve seen boats that looked worse than this on the water.
I know that you have been looking, and it’s hard to find this boat or one in the same category for a reasonable price. If you can buy back for a fair price, I would think that you could get her back to where it was for less money than buying a new or used boat. It may take a little longer, but it would be a fun project.
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Post by jski59 on Jan 9, 2019 9:55:59 GMT -5
That's exactly where I am, not many options out there in the same price range and I've been looking non stop since the storm.
Fixing it sounds good now...but wonder if I'll have the same confidence 50 miles out when is starts blowing? lol
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Post by fishnfool on Jan 9, 2019 10:37:14 GMT -5
Yea I agree, I was expecting worse when I saw the pictures of it sitting under the pile of twisted metal and fiberglass. Not going to be cheap or quick to repair bit of you can get it at the right price you could likely make it better than new. Guessing here based on what I see, but a $3/$4k in fiberglass repairs, $3k for all new factory cushions from Lebroc, $1600 in cowlings, +/-$2.5k for ttop/install, and +/- $1k for a topside repaint, plus $1k for incidentals. Could be way off so dont listen to me. Best of luck and it if works out, would be cool to document the reconditioning here on the forum.
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Post by Ol Mucky on Jan 9, 2019 12:22:43 GMT -5
Hope all works out well whichever route u take
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Post by abouttime2fish on Jan 9, 2019 12:43:22 GMT -5
Fonder if sailfish can make you a new gunnel insert? Now may also be a good time to find a used motor cowling. Good luck whatever you decide.
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Post by ragtop409 on Jan 11, 2019 17:26:48 GMT -5
Thanks for posting the photos as hard as they might be to some, I think the boat looks great. And long as the insurance company will let you get it back for the right price I would buy it back. Build a sweet big ass T top that ties back into a custom leaning post. Also the fish box in the floor, did the storm suck it right off the hinges? Was it found? Rag’s
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Post by finatic on Jan 11, 2019 19:06:29 GMT -5
I tend to agree with everyone. That's one strong ass boat, expected to see much worse. I would try to keep her, get it done right and you will end up with a great updated rig. I hope your ins.co. treats you good, good luck keep us informed.
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Post by jski59 on Jan 12, 2019 9:37:42 GMT -5
Thanks all, I'm still talking to insurance so we'll see how it works out. I had removed the floor hatches just prior to the storm to line them with neoprene foam, so they are safe and sound in my garage As for someones earlier question about the marina, it's right in the marina contract that they are not responsible for any damage. I think that's pretty standard. One interesting thing is the local Seatow franchise was hired to dismantle the barn and recover the boats via crane...so one day I get a call that they are about to pull my boat out, it would be $5075 and where should they bill insurance. No invoice, no explanation of why it was that much, just pay us. I assumed that they calculated the fee vs the number of boats but after talking to a few folks, there was some variation in the cost...maybe by boat length? I dunno. Quite a few folks are pretty pissed about this...can't say I'm mad about it as I understand there has to be a cost somewhere for such a huge job, but definitely think the marina and sea tow could have done a better job explaining the costs and reasons up front. Insurance didn't bat an eye about paying it, however they's telling me the fee will be deducted from my final settlement. Again, I can understand that but my policy docs are a little vague on that so I might talk to an friend who's an attorney just to dot the i's and cross the t's. I have Allstate and so far it's been ok...I'll wait to rate them until we're settled, ha. I'll admit I've always been pretty lax in insurance details, pretty much just going along with whatever an agent suggested...this experience has been a wake up call. The devil is in the details!
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Post by finatic on Jan 12, 2019 14:05:42 GMT -5
IMO,, Sea Tow took advantage of a bad situation, to line their pocket with cash. Shame on them, maybe after 25 plus years with them I'll sign up with Boat USA. this year.
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Post by ragtop409 on Jan 12, 2019 19:41:57 GMT -5
Seams wrong to me that the boat owners are being held responsible for the dismantling of the barn. That should go back on the ownwers of the Marinas insurance. I get they are not liable for the boat owners damage but that should be liable for damage to there building, not the user of the building. Rag’s
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Post by outtadblue on Jan 12, 2019 21:16:54 GMT -5
My policy has $5000 coverage for wreck removal. I would check your policy well to see if you have a set dollar amount for this. If you do, it would not subtract from boat total.
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Post by jski59 on Jan 16, 2019 19:49:17 GMT -5
Finally! Got my settlement letter from insurance...I pushed back a bit on their initial offer and ended up with the dollar figure I wanted plus I keep the boat, so very happy! Good job Allstate 99.9% sure I'll repair her, but still need to get real estimates for the fiberglass work.
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Post by outtadblue on Jan 16, 2019 20:07:30 GMT -5
That’s great news!!! I hope that you can get her back in the water this summer. Let me know if I can help in any way.
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