Advice needed on Insurance Claim with Progressive

I bought a Cal 33 in May. I had a survey done and there were small problems here and there, but it is a prettty solid boat. During my first race with new crew members, we ended up with a spinnaker sheet caught in the prop. My diver was going down to replace the cutlass bearing and she saw that the strut was bent and cracked. It was definitely not cracked or bent when the survey took place. I called Progressive, my insurance company, and they told me I needed to have it hauled out ASAP. I searched around for a place that could get me in and ended up at Seaview in Seattle. I dropped it off and the surveyor was supposed to be out there the next day. This was nearly two weeks ago. I called Progressive Monday and they said they had a conference call about it scheduled for Tuesday. The adjuster called me and told me today that there is some question as to what caused the bent strut. She wants to talk to the dive that removed the rope and the dive who discovered the damage. They have to remove the exhaust to get to the bolts for the strut. She said that the yard said that it is rusty and they think it might fall apart while removing it. It also needs new motor mounts before they can calibrate it. They are saying I have to pay for these things. I get that. It seems like they are using this to try to say that because these other items are older and have rust that they do not have to pay for the strut. Also, they have been dragging their feet and not calling me. This is building up lay day costs, and they said that I will have to pay them if they choose to not pay the claim. Even thought I have asked them if I could have the yard start working on it while they figure things out. I would love any advice I can get. This is incredibly frustrating as you might imagine. I am looking at a $6K repair bill. I can afford it and will pay it if I have to, but it seems like insurance should do what it is supposed to do.

I had a claim with Progressive a few years ago stemming from an accidental jibe while running wing and wing down the Washington coast, which caused a bent boom and unfixable damage to an expensive whisker pole. The claim adjuster was completely unaccustomed to sail boats, with almost all of his work having involved small motor boats that he inspects on trailers after they have hit rocks. He did not know a jib from a jibe, but he patiently took notes while I explained everything and showed him how it all happened. He then repeated the whole thing back to me, showing that he got it. He really got it! After that the claim went through smooth as can be. It just took time and patience. P. From: Ca… [at] yahoogroups.com [mailto:Ca… [at] yahoogroups.com] Sent: Tuesday, August 15, 2017 9:49 PM To: Ca… [at] yahoogroups.com Subject: [Cal_Boats] Advice needed on Insurance Claim with Progressive I bought a Cal 33 in May. I had a survey done and there were small problems here and there, but it is a prettty solid boat. During my first race with new crew members, we ended up with a spinnaker sheet caught in the prop. My diver was going down to replace the cutlass bearing and she saw that the strut was bent and cracked. It was definitely not cracked or bent when the survey took place. I called Progressive, my insurance company, and they told me I needed to have it hauled out ASAP. I searched around for a place that could get me in and ended up at Seaview in Seattle. I dropped it off and the surveyor was supposed to be out there the next day. This was nearly two weeks ago. I called Progressive Monday and they said they had a conference call about it scheduled for Tuesday. The adjuster called me and told me today that there is some question as to what caused the bent strut. She wants t o talk to the dive that removed the rope and the dive who discovered the damage. They have to remove the exhaust to get to the bolts for the strut. She said that the yard said that it is rusty and they think it might fall apart while removing it. It also needs new motor mounts before they can calibrate it. They are saying I have to pay for these things. I get that. It seems like they are using this to try to say that because these other items are older and have rust that they do not have to pay for the strut. Also, they have been dragging their feet and not calling me. This is building up lay day costs, and they said that I will have to pay them if they choose to not pay the claim. Even thought I have asked them if I could have the yard start working on it while they figure things out. I would love any advice I can get. This is incredibly frustrating as you might imagine. &n bsp;I am looking at a $6K repair bill. I can afford it and will pay it if I have to, but it seems like insurance should do what it is supposed to do.

On 8/16/2017 12:48 AM, jo… [at] yahoo.com [Cal_Boats] wrote: > I would love any advice I can get. This is incredibly frustrating as > you might imagine. I am looking at a $6K repair bill. I can afford > it and will pay it if I have to, but it seems like insurance should do > what it is supposed to do. I've never had a boat claim but I have seen homeowner's claims. My mom's insurance cancelled her claiming that the garage roof was in serious disrepair. This was about 8 years AFTER the flat garage roof was replaced with a custom-engineered hip roof--fancy trusses, expensive shingles, all that. It was clearly a pretext because she had made a claim for some water damage in the house just before. It was notable because I had been hearing other stories about pretext cancellations. My own homeowner's insurance was cancelled without explanation. The local agent called up and said "Gee, they cancelled, what are you going to do about it?" I remember thinking, "You're the agent, aren't you supposed to figure this out for me?" So I said "I'll get a new agent. And I did. No problems since (and no claims ever). G.B. Shaw said that all professions are conspiracies against the laity. I've come to see that insurance companies are really conspiracies against the insured. My basic rule is to reserve insurance claims for truly catastrophic losses and to absorb minor ones myself. Chris Campbell > > > > > >