Last year was not the greatest, and for us, it was especially bad as far as sailing. We are on an inland lake, and during a period of about 30 days when we were not using the boat, the shaft log decided to start leaking, and the bilge pump quit. The result was a flooded boat during very hot weather. Flooded in this case means water was about 8" over the floorboards of our Catalina 36. The cleanup has been done and we are nearly back to normal.
The problem is my insurance company is claiming that the water damage to the sole and lower cabinetry is NOT covered. They claim it's excluded as "gradual deterioration". All the damage was to the finish and there's no rot or permanent damage. I'm having it refinished, and it looks like new. The cost is going to be $2000-3000.
Calling damage to the finish that happened within a 30 day period "gradual deterioration" seems to be a big stretch. These exclusion are typically about dry and wet rot and corrosion. Has anyone had experience with a damage claim like this?
Thanks
Jeff
The problem is my insurance company is claiming that the water damage to the sole and lower cabinetry is NOT covered. They claim it's excluded as "gradual deterioration". All the damage was to the finish and there's no rot or permanent damage. I'm having it refinished, and it looks like new. The cost is going to be $2000-3000.
Calling damage to the finish that happened within a 30 day period "gradual deterioration" seems to be a big stretch. These exclusion are typically about dry and wet rot and corrosion. Has anyone had experience with a damage claim like this?
Thanks
Jeff