I Appreciate The Information & Time Taken
I see the CNG requirement is now basically the same as LPG except for the cut off.
OK, standards change. I get that. I'll just make an observation. We have no representation in the formation of those standards. By we, I mean the boaters. We have no representation at the underwriter's desk either.
The surveyor documents exceptions to ABYC standards (regardless of when they were effective). To not do so would be to open themselves to liability. To use individual judgement instead of ABYC rules would further invite liability. By using ABYC standards, the surveyor can duck behind another wall with respect to liability.
The insurer's underwriter will be subject to review if there is a serious loss on the vessel. That underwriter likely has only a cursory knowledge of boat construction, standards, etc. Therefore, the underwriter relies on the surveyor's report and will not issue a policy until issues are "rectified". If you are the underwriter, who's opinion will you accept: a whining boat owner faced with an expense or a knowledgeable professional listing exceptions based upon published industry standards?
So, at the end of the day, the surveyor gets work and a liability shield, the underwriter gets a clean file review, the marine mechanics get work, parts manufactures get to sell stuff and the boat owner gets to cough up thousands of dollars and have the boat hacked up to no better end.
Rant over. I sincerely appreciate the information and the manner in which it was offered. It isn't personal. I just also happen to be extremely annoyed at US Sailing's equipment "recommendations" at the moment which is resulting in some parallel tracking to this. It spilled over into this subject. :cussing:
I see the CNG requirement is now basically the same as LPG except for the cut off.
OK, standards change. I get that. I'll just make an observation. We have no representation in the formation of those standards. By we, I mean the boaters. We have no representation at the underwriter's desk either.
The surveyor documents exceptions to ABYC standards (regardless of when they were effective). To not do so would be to open themselves to liability. To use individual judgement instead of ABYC rules would further invite liability. By using ABYC standards, the surveyor can duck behind another wall with respect to liability.
The insurer's underwriter will be subject to review if there is a serious loss on the vessel. That underwriter likely has only a cursory knowledge of boat construction, standards, etc. Therefore, the underwriter relies on the surveyor's report and will not issue a policy until issues are "rectified". If you are the underwriter, who's opinion will you accept: a whining boat owner faced with an expense or a knowledgeable professional listing exceptions based upon published industry standards?
So, at the end of the day, the surveyor gets work and a liability shield, the underwriter gets a clean file review, the marine mechanics get work, parts manufactures get to sell stuff and the boat owner gets to cough up thousands of dollars and have the boat hacked up to no better end.
Rant over. I sincerely appreciate the information and the manner in which it was offered. It isn't personal. I just also happen to be extremely annoyed at US Sailing's equipment "recommendations" at the moment which is resulting in some parallel tracking to this. It spilled over into this subject. :cussing: