I would think your agent would be the best person to ask that. Although I suspect you may be out of luck due to the cancellation.

 

That's why I was wondering if homeowners(same company) may cover it.
The boat insurance has been recently reinstated.

 

The insurance company will do anything to avoid paying a claim. They may say its a design flaw, or you over filled it. Wish you luck on this one. I doubt it will be denied due to the cancellation, though.

 

check your policy, is it all risk, and or named peril, we know it is not collision, then is it comprehensive? but in any event, in most policies they are intended for one sudden and accidental loss, not an accumulation of damage, a policy may say we cover it..... ...........then look at the exclusions section, they do not cover mechanical breakdowns. what you need to do is turn the claim in and you may be surprised, but don't get your hopes up.

When I worked in claims our companies policy was "We do not answer hypothetical policy questions" 99% of agents don't know the answer, so they call the claims dept, and ask, we do not answer them , why? from past they pose a question and are denied, then they change the story to find a way to get it covered, so when ever a claim question comes up, we would answer, "turn the claim in writing" so the agent really my not know. good luck.

homeowners NO!

 

cptdarel,
great answer.
Thank You.

 

Take some time and find out what the cost of repairs might be.

greenbuttskunk is an IFISH sponsor for boat wraps.
http://www.ifish.net/board/member.php?u=2615

See if there are any specials at the Sportsman Show for a new vinyl wrap on your boat.

Geemo

 

Possibly Brad has my original invoice on file.
I'll get hold of him. Thanks.

 

I know insurance will not pick up costs prior to reinstatement if you were outside of the 30 day grace period.

Sent from my SAMSUNG-SGH-I337 using Tapatalk

 

give me a call, I can give you an estimate to repair or replace one side. hopefully insurance will cover it.
503-888-7513

 

Bummer about that. I had a similar problem when the outside temperatures are real warm. I park my boat inside but my driveway to the shop is somewhat steep downhill. Once I fill the tank and plan to put the boat away until the next trip before backing it down the hill (fuel fill in transom) I take a piece of garbage bag and close the filler lid down on it. Once indoors I can remove the plastic and not worry about it. Good luck.

 

Gary- I'd fix the problem before repairing the vinyl. My older T-Jet used to burp fuel if I filled it too fast, and warm temps worsened it. The new boat is vented better and it's a non issue. Or maybe have a simple wooden dip stick to help you measure when it's nearly full, but still below the burping level?

Good luck with your fixes. Fortunately it is February and not July.

CW

 

This is a great question. Sometimes when you think that there's no way it would be covered they surprise you. Then, other times when you think it's obvious that it should be covered you are blindsided when you find that there is an exclusion for it.

On the reinstatement, an important question would be knowing whether or not they reinstated the policy WITH a lapse in coverage or WITHOUT a lapse in coverage. If it was without a lapse then it doesn't matter if it cancelled and you paid it. If they reinstated it without a lapse in coverage then it wouldn't make a difference as to them not covering it because you just made a payment.

Also, how long ago did this happen? Did it happen over a long period of time or was it just one time? This will play heavily into whether or not it may or may not be covered. It's much more likely if you filled it last week and this all happened over a period of 7 days to have the loss covered vs. filling it last August and it spilled over then, again in September and then over time the vinyl began to discolor. Time is not your friend in claims when damage takes a while to show up.

For instance, if you have a dishwasher that leaks for 7 years and causes dry rot behind your cabinets you wouldn't find anybody covering that loss because it occurred over a long period of time. On the other hand, if it happened to you and was considered sudden and accidental, say a hose burst and began flooding, then you would most likely have a covered loss under many of the policies out there. (can't say all of them because I'm sure somebody would disagree)

Feel free to call me and I'd be glad to discuss this with you before calling your carrier and reporting a claim. There are some important things to know before you call them and use language that we might say normally but they hear differently. You could say it happened a long time ago meaning that it was like 10 days ago and they carrier can hear that as it was months ago. It's a simple thing that can have a huge impact.

We represent many carriers and would be happy to hunt down some more information for you as it relates specifically to your claim, regardless of it being a company we represent or not.

Ron
541-738-1500 Office
541-758-3333 Cell

 

Long before I became a pilot I worked as an insurance adjuster (office in the Lloyd Center)....so it has been a while. Most of the responses are right on the money.... as I remember. There are several aspects of this claim that an adjuster will look at here. First and foremost is the coverage timeline. Regardless of wether your insurance lapsed or not.... was the policy in good standing when the loss occurred? And... if not, did the loss occur within the given grace period? The next thing they will look at is the question of if this was a preventable loss. Using a "reasonable man" premise, they will look to see if there was a reasonable way to mitigate (lessen) the loss to yourself (and the insurance company). ALL insurance policies have a clause that states that the insured have a duty to mitigate any and all losses of the insured item. If they determine that an insured person had reasonable expectation that a loss would occur, and didn't do anything to prevent or lessen the loss, they likely will not cover the loss. Oddly enough, if the insured does something really stupid....which creates a loss.....that is usually covered in the comprehensive portion of the policy, so long as it doesn't involve negligence or intentional damage. Another thing they will look at is the duration of the condition to cause the loss. How long have you know about the fuel problem? What did you do to mitigate any possible future damages? Would a "reasonable man" allow the problem to continue without action, thus resulting in the damage? If you had knowledge of the condition and didn't preform corrective action (mitigating a potential loss) you may have a problem. And last (but certainly not least) is this a systemic problem with the manufacturer (a design fault)? If that is the case, all bets may be off. Insurance usually won't cover design flaws.

If it were me, I'd submit the claim. You paid for insurance, and you deserve to have the insurance claims department look at the merits of the claim. It shouldn't hurt you at all, especially if they don't pay on the claim.

I don't miss insurance work at all...... Read and reread your policy. Oh.... there is little chance that your homeowners coverage will cover this unless it is stated that it will somewhere in the homeowner's policy. That would usually be covered in a supplement to the homeowner's policy (if you have one)...

 

good write ups, on home owners that I'm familiar with, they will and do cover up to a 12 ft boat on liability, and only on a named peril basis (fire, theft etc.) as in any personal property damage.

if said loss did damage each time you filled it up, say 7 times, lets say it was covered, then you have 7 deductibles and 7 loss claims.:doh:

like I have said before, everyone should take a policy out and read it all, front to rear, give you a new perspective.