Not convinced
Don,I'll acknowledge that pretty much everything is not "that simple". But, I'm pretty sure you did not describe anything that corresponded to the situation that Al encountered. The dock was not a marina, but owned by the yard (Al indicated such). The boat was not vandalized, flooded, struck by lightening, although I suppose a rogue wave could be an act of God. But then again, we all know they happen, so maybe not. I'm pretty sure it does not have an emergency brake, and I suspect that locked or not, the yard had the keys. Al had a reasonable expectation that the boat was to be pulled that day, and that when turning it over to them that they would care for it with reasonable care.I do know that if I turned my vehicle over to my dealer, and it was hit by another car in their unsecured lot, that I would not be dealing with my insurance company or the insurance company of the car that hit mine. I would leave that for the dealer to sort out, and I suspect they would have my car in the autobody shop pronto to fix the problem.I still think this is simple. If Al's boat had been tied incorrectly and the damage had occurred before the yard closed for the day, then maybe that might mitigate their responsibility (but I'm not sure that would even be true, because once Al left it in their care the situation changes). But Al seems pretty sure that the boat was fine that day.Further, the yard did not pull the boat out of the water when they said they would. And I do appreciate that things stack up, but the yard choose the time for Al to arrive. He did not show up unannounced. Again, if their dock is not a safe place to allow boats to remain for whatever period is required then they have a duty to control accepting vessels until they can safely deal with them.I appreciate your comments. And we can all disagree about anything. But if I were Al, I'd make sure this insurance claim was paid from the appropriate source.I do know something about insurance, and I know that claims are considered when your insurability is evaluated. Both for availibility and cost. Why should Al suffer increased insurance cost in the future for something the yard did. If their insurance is at stake, over time they will have to think more clearly about operations or they may not make it.One other thing. Although it is difficult to tell anything from the picture, this does not look like dock damage to me. This looks like something hit it, and I suspect that occured after it was out of the water as the yard did not discuss the damage until a day after the boat was pulled. I don't know about the rest of you, but I'd notice something like that on a boat just walking by.Dan (S/V Feije)