Boat damage

  • olgunner
    Posts: 78
    October 5, 2007 at 3:53 am #1256293

    OK before I talk to my insurance agent I was wondering if anyone has delt with this. I have an older boat and recently inherited a lift that I was told was big enough for my boat. It was but not a good fit. With the boat up on the lift a couple of guys got in the boat and loaded gear, when we took the boat out that day it took on some water. I trailered the boat home an checked it out, 2 good cracks one on each side of the hull. Is this kind of thing covered??

    cougareye
    Hudson, WI
    Posts: 4145
    October 5, 2007 at 4:24 am #613604

    I’m no expert but I’d think it would be covered unless they could prove negligence. If you gave reasonable consideration to the size of the lift and condition of it, then it will be hard for them to say otherwise. Question is what will they pay for? If the cracks are extensive and the boat is old, they may just total it out and cut you a check for the value of the boat.
    I doubt they’d pay for repairs if the cost of the repairs outweigh the cost of the boat.

    Good luck! I’m sure others will chime in.

    Eric

    livetofishmn
    Mankato, Mn
    Posts: 296
    October 5, 2007 at 4:42 am #613607

    hey wishiniwasfishin- who are you?? dan??

    haner
    Posts: 245
    October 5, 2007 at 2:37 pm #613737

    anyone know if insurance covers a leak in the boat, due to a loose rivet or missing rivet. i cant find the leak, but i know its probably something to do w/ a rivet somewhere. anyone know if insurance companies cover leaks in the boat? thanks

    b-curtis
    Farmington, MN
    Posts: 1438
    October 5, 2007 at 2:44 pm #613744

    I wouldn’t count on it. They don’t cover to replace rust holes on a car, so why would they cover a leaky rivet? Besides, don’t you have a deductable? Sure doesn’t seem worth it to even try to claim it once you pay the deductable.

    haner
    Posts: 245
    October 5, 2007 at 3:13 pm #613761

    Quote:

    I wouldn’t count on it. They don’t cover to replace rust holes on a car, so why would they cover a leaky rivet? Besides, don’t you have a deductable? Sure doesn’t seem worth it to even try to claim it once you pay the deductable.

    Yeah, i think its a 500 deductible, but last yr i check w/ a place to repair a boat leak.. they sd minimum of 1k dollars cause they have to take the floor off to find exactly where leak is.

    kerk
    Maplewood, MN
    Posts: 76
    October 5, 2007 at 4:30 pm #613803

    Looks like it is time for a different boat, I have one for sale in the classifieds

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