First, i'm in awe at the response and support! Thanks to everyone! Someone asked me to summarize the whole situation and let people know the outcome.... here goes my attempt at being concise.
1. Marina calls to inform me I broke off in a big storm.
2. I give them my SeaTow info and they are dispatched.
3. SeaTow and marina personnel are working their way to my boat, but it's been hitched by a salvage company. A gentleman in the mooring
field saw my boat break free and radioed it in; salver must've been listening.
4. Salvage company anchors my boat sends me and my insurance agent a bill for... 1/3 value of the boat!
5. Here's where I'm cutting corners, but I spend the next 3 weeks in a three-way e-mail and phone
about this between my agent, the salver, and myself and several people from each party... it was a nightmare and I think everyone eventually cursed the other one out... Not how I wish it had gone down.
6. My insurance agent, while somehow taking two weeks to get me a response from the underwriter(I take blame for one of the weeks my boat was away because of a miscommunication while I was sailing on another boat) suggests it isn't a true salvage and I should 'go get my boat back'
7. While I thought he was insane and decided to get some other 'non-professional' advice here, I went to the police.
8. Insurance company gets into the mix and the situation is resolved in a day(no clue on cost yet)
9. Police call me, tell me it wasn't a true salvage and after I tell them the story- without names- the police officer names the salver immediately... sounds sketch to me.
10. My boat is returned to its mooring, with extra, extra, extra lines for redundancy on top of redundancy.
Bottom Line assessment: It wasn't a true salvage, but a service
was provided ergo a fee is due. Apparently marine insurance has agents and you work through them as a middle man(read: pain my butt) to get you to the underwriters. and lastly.... TIE YOUR BOAT UP GOOD!
hope that made sense, hope someone learned a lesson the easy way from my example, hope this great community continues to support one another.