32% of responding Hunter owners have made a claim on their boat owners insurance, according to last week's Quick Quiz. Was your claim handled efficiently and was the payout adequate? Are you satisfied with your insurance carrier, or would you make a different choice next time? Underwrite your opinions here.
- Status
Fire
We had a fire on our 37.5 back in Feb. 98. Our insurance was thru Alstate. I found out one thing you get what you pay for with insurance. There was no problems with the boat side other than we were under insured by alot. What they wanted to do with the personal prop. side was only give me 10% of my home owners policy. I had asked if I had enough insurance and was told yes you are fully covered. We won but it was a big battle to pay. We pay alot more now for insurance but I feel it is worth it.
We had a fire on our 37.5 back in Feb. 98. Our insurance was thru Alstate. I found out one thing you get what you pay for with insurance. There was no problems with the boat side other than we were under insured by alot. What they wanted to do with the personal prop. side was only give me 10% of my home owners policy. I had asked if I had enough insurance and was told yes you are fully covered. We won but it was a big battle to pay. We pay alot more now for insurance but I feel it is worth it.
Several Insurance Claims
I sort of feel qualified to stay something about Insurance claims having had just finished one claim on my boat. Two years ago, several boats in the harbor burned (two totally) and my boat was damanged--blisters, dodger melted, etc. I contacted my insurance agent. First problem was that my agent was not available all weekend. Then on Monday, they contacted the insurance company. They said I had to have their surveyor look at the boat. I knew this surveyor and was impressed with his inspection. He saw things I didn't catch in my inspections. However, He then authorized me to have the boat repaired telling me to replace the dodger, back stay, lifelines and someother things. This I did and submitted claims to the insurance company. Besides my $1000 deductable, they would not pay for the dodger claiming that it had a life of only five years which was its age. My insurance agent was of no help, nor did they every say anthing about the fire. Not even, sorry it happened..... I argued with the insurance company. I expected them to get my deductable from the other company whoes boat started the fire but they said it wasn't worth it. I thought about contacting the State Insurance Office and still think I might do that although it is getting on in years. I have changed insurance agents and insurance companies. My neighbor whoes boat burned to the waterline used Boat US and they were there the next morning. Although I was impressed with Boat US, I stayed with a local agent in Seattle that I knew and he has me with Reliance Insurance company. This past claim left me with a bad taste in my mouth about insurance. I lost, including the deductable, about $2400. Les.Blackwell@wwu.edu
I sort of feel qualified to stay something about Insurance claims having had just finished one claim on my boat. Two years ago, several boats in the harbor burned (two totally) and my boat was damanged--blisters, dodger melted, etc. I contacted my insurance agent. First problem was that my agent was not available all weekend. Then on Monday, they contacted the insurance company. They said I had to have their surveyor look at the boat. I knew this surveyor and was impressed with his inspection. He saw things I didn't catch in my inspections. However, He then authorized me to have the boat repaired telling me to replace the dodger, back stay, lifelines and someother things. This I did and submitted claims to the insurance company. Besides my $1000 deductable, they would not pay for the dodger claiming that it had a life of only five years which was its age. My insurance agent was of no help, nor did they every say anthing about the fire. Not even, sorry it happened..... I argued with the insurance company. I expected them to get my deductable from the other company whoes boat started the fire but they said it wasn't worth it. I thought about contacting the State Insurance Office and still think I might do that although it is getting on in years. I have changed insurance agents and insurance companies. My neighbor whoes boat burned to the waterline used Boat US and they were there the next morning. Although I was impressed with Boat US, I stayed with a local agent in Seattle that I knew and he has me with Reliance Insurance company. This past claim left me with a bad taste in my mouth about insurance. I lost, including the deductable, about $2400. Les.Blackwell@wwu.edu
WoW - 1 in 3?
1 in 3 seems like a high response rate - this same question, when posed to Catalina owners on PlanetCatalina.com came back with more like a 1 in 10 positive response. Why the higher rate for Hunter owners? John Goacher s/v Windbreaker Hunter 25, 1979
1 in 3 seems like a high response rate - this same question, when posed to Catalina owners on PlanetCatalina.com came back with more like a 1 in 10 positive response. Why the higher rate for Hunter owners? John Goacher s/v Windbreaker Hunter 25, 1979
Storm Damage - Lake Champlain
Recently I was one of the lucky ones (and a happy Allstate customer at that)Floyd broke a few boats from moorings that were driven into marina docks in my area. Rather than have insurance companys from the boats that broke away pay for the damage they caused they had all the folks make individual claims on their own insurance. All the insurance companys agreed to this. (even in cases where the mooring tackle or lines were faulty.) They get to factor in everyone's deductible and tag each them with another claim. If it was put against the liability of the boat that caused the damage there would be no deductible. So far this has not been negotiable since all the insurers stick together. I'm not impressed. Fortunately my H34 was protected by the 35#CQR I hung on the bow roller (but I think it chewed on the Catalina 27 as it went by) Stuff happens! Barry s/v PER DIEM too
Recently I was one of the lucky ones (and a happy Allstate customer at that)Floyd broke a few boats from moorings that were driven into marina docks in my area. Rather than have insurance companys from the boats that broke away pay for the damage they caused they had all the folks make individual claims on their own insurance. All the insurance companys agreed to this. (even in cases where the mooring tackle or lines were faulty.) They get to factor in everyone's deductible and tag each them with another claim. If it was put against the liability of the boat that caused the damage there would be no deductible. So far this has not been negotiable since all the insurers stick together. I'm not impressed. Fortunately my H34 was protected by the 35#CQR I hung on the bow roller (but I think it chewed on the Catalina 27 as it went by) Stuff happens! Barry s/v PER DIEM too
Higher rate for Hunter owners
I noticed the same discrepancy between Hunter and Catalina owners; surprising because the results of most quiz questions are -very- close. Here's my theory: The Catalina site has a far greater proportion boats 22-25 feet in length than the Hunter site. My hunch is that many of these boats may be uninsured, on homeowner's policies, or are in some way less probable to generate claims. Any other theories? I have serious doubts that the difference is caused by experience, competence, etc.
I noticed the same discrepancy between Hunter and Catalina owners; surprising because the results of most quiz questions are -very- close. Here's my theory: The Catalina site has a far greater proportion boats 22-25 feet in length than the Hunter site. My hunch is that many of these boats may be uninsured, on homeowner's policies, or are in some way less probable to generate claims. Any other theories? I have serious doubts that the difference is caused by experience, competence, etc.
Allstate Great
5 year old 30T burned (totaled) in a warehouse fire. Allstate Did great for me. I think it boils down to expectations, and the adjuster. Because of my settlement, Allstate picked up about 4 new customers in my area.
5 year old 30T burned (totaled) in a warehouse fire. Allstate Did great for me. I think it boils down to expectations, and the adjuster. Because of my settlement, Allstate picked up about 4 new customers in my area.
State Farm
I have a State Farm agreed value policy on my H336 which has most limitations spelled out fairly clearly. I have had State Farm on several other boats that I have owned with a couple of minor claims against them. The biggest claim was on a Corsair F-24 that had the jib unfurl during a freak windstorm. It tried to sail up on the dock and beat the port ama and most of the port rigging to pieces. The boat heeled over into the rigging of the boat next to it (across the finger) and tore off all the masthead devices (wind instrument, fly, etc.). State Farm paid over $6000 in repairs with absolutely NO argument. The jib was roller furledd with two extra wraps of sheet around it AND a snap on cover over it. The cover got shredded and then everything unwound even though it was cleated off. The wind speed was clocked at 100+ a mile away at the Portland Airport. It lasted for about an hour. We were lucky, several boats sank and a lot of others sustained serious damage. We were also even more lucky 'cause when it happened, my wife and I were sailing a bareboat in Tortola. We didn't know anything about the storm until the night before we flew home.
I have a State Farm agreed value policy on my H336 which has most limitations spelled out fairly clearly. I have had State Farm on several other boats that I have owned with a couple of minor claims against them. The biggest claim was on a Corsair F-24 that had the jib unfurl during a freak windstorm. It tried to sail up on the dock and beat the port ama and most of the port rigging to pieces. The boat heeled over into the rigging of the boat next to it (across the finger) and tore off all the masthead devices (wind instrument, fly, etc.). State Farm paid over $6000 in repairs with absolutely NO argument. The jib was roller furledd with two extra wraps of sheet around it AND a snap on cover over it. The cover got shredded and then everything unwound even though it was cleated off. The wind speed was clocked at 100+ a mile away at the Portland Airport. It lasted for about an hour. We were lucky, several boats sank and a lot of others sustained serious damage. We were also even more lucky 'cause when it happened, my wife and I were sailing a bareboat in Tortola. We didn't know anything about the storm until the night before we flew home.
scattered thoughts
another theory: it might be that the higher claim rate for hunters is because so many of them are in charter... a huge percentage, even for a production boat..... or could it be that, being manufactured in florida, a much higher percentage of them live in hurricane country than california-built catalinas? ..................... a buddy of mine has a one-off motoryacht in the 70 foot range, even with a professional skipper his deductable is $12,000. ouch..............my wife recently got her USS Bareboat certification, which helped with insurance. When we requested extended range last summer, down to Ensenada, Mexico, our agent gave it to us at no additional cost. it helps to have an impressive crew resume.
another theory: it might be that the higher claim rate for hunters is because so many of them are in charter... a huge percentage, even for a production boat..... or could it be that, being manufactured in florida, a much higher percentage of them live in hurricane country than california-built catalinas? ..................... a buddy of mine has a one-off motoryacht in the 70 foot range, even with a professional skipper his deductable is $12,000. ouch..............my wife recently got her USS Bareboat certification, which helped with insurance. When we requested extended range last summer, down to Ensenada, Mexico, our agent gave it to us at no additional cost. it helps to have an impressive crew resume.
Lightning strike & Boat/US
I had a lightning strike with my old boat (1980 H27)last year. Boat/US handled it very well and very fast. After my boat was repaired it was in better shape than it was before the strike and enabled me to sell it for more. Steve, s/v Obsession
I had a lightning strike with my old boat (1980 H27)last year. Boat/US handled it very well and very fast. After my boat was repaired it was in better shape than it was before the strike and enabled me to sell it for more. Steve, s/v Obsession
Supporting Theory ...
If the Planet Catalina site is populated by 22-25 footers, they are likely trailerable and may not be subject to the same kind of risks at a marina. Just a theory! JAY
If the Planet Catalina site is populated by 22-25 footers, they are likely trailerable and may not be subject to the same kind of risks at a marina. Just a theory! JAY
Allstate=No Problem
A fierce January blow knocked my H30 out of her jacks a few years ago; about a half dozen other boats were similarly afflicted in this storm, and mine faired better than most. My Allstate agent was responsive and helpful in making sure the claim was submitted; while their adjuster didn't know jack about boats, he did willingly use the report generated by a surveyor I hired. Allstate approved the repairs recommended by my surveyor and and settled without any real difficulties. May have helped that my agent was also a sailor. The biggest problem was the yard's insurance company (not Allstate) trying to assign blame to every/anyone for a freak storm with winds in the hurricane range on an exposed peninsula. (No, I don't winter over there anymore; and yes, I'm still with Allstate and haven't seen any reason to change.)
A fierce January blow knocked my H30 out of her jacks a few years ago; about a half dozen other boats were similarly afflicted in this storm, and mine faired better than most. My Allstate agent was responsive and helpful in making sure the claim was submitted; while their adjuster didn't know jack about boats, he did willingly use the report generated by a surveyor I hired. Allstate approved the repairs recommended by my surveyor and and settled without any real difficulties. May have helped that my agent was also a sailor. The biggest problem was the yard's insurance company (not Allstate) trying to assign blame to every/anyone for a freak storm with winds in the hurricane range on an exposed peninsula. (No, I don't winter over there anymore; and yes, I'm still with Allstate and haven't seen any reason to change.)
there's other reason for the Catalina difference
Hey guys, think about it: Its 30% of the owner's RESPONDING to the survey that had claims, not 30% of all Hunter owners! In other words, this number doesn't mean anything other than a higher percent of owners who did not have an accident responded to the Catalina survey. It does NOT mean that the Catalinas have a lower claim rate.....
Hey guys, think about it: Its 30% of the owner's RESPONDING to the survey that had claims, not 30% of all Hunter owners! In other words, this number doesn't mean anything other than a higher percent of owners who did not have an accident responded to the Catalina survey. It does NOT mean that the Catalinas have a lower claim rate.....
- Status