Originally Posted by Sailing320
May I ask what insurance company you are insured with?
I will name and shame with names of people involved. (I have detailed records of everything) - but not yet...
BTW no "f" bombs were dropped in conversations or emails with insurance companies. Just my artistic forum expression. I only stated the head
of claims was acting childish - and he hung up on me. I will give details of that shyster too.
Some important info:
Insurance companies provide a surveyor
who acts by/for the underwriters "without prejudice" - meaning the underwriters are not liable for anything he says or does. But we are. We must obey any and all directives of the underwriters representative. "as often as required"
Basically you are at their mercy. They can continually order disparate, untenable, dangerous, and unreasonable directives. Perhaps, until you are "non cooperative" and they have grounds to deny the claim...
All conducted by an agent acting "without prejudice" i.e without liability or responsibility.
below is a list of various demands occurring over a few days. (none of which the insurance will pay).
They suggested moving boat with crane, which the other surveyors, myself, and yard "liked" in principle. Next morning was directive #3 with language such as "Underwriters will make arrangements" to secure mast
, etc - I asked for clarification of this language i.e who pays? who engineers? who builds? but, my emails and calls to insurance were not returned.
After some discussions - new directives were ordered - and now we sit waiting...
- pay $35,000 to tow to Lauderdale?
- pay $100,000+ to put on a barge?
- contract crane company to put vessel on the hard adjacent to present location?
- finish engines, provide temporary patch, make cradle, unstep mast and motor to Lauderdale?
- latest -stay where I am and remove (all?) interior cabinetry.
I believe there is no way to manage a claim with insurance without a lawyer at the reigns. It is unfortunately the only way to handle them...