Cruisers Forum
 


Join CruisersForum Today

Reply
 
Thread Tools Rate Thread Display Modes
Old 04-06-2012, 10:53   #1
Registered User

Join Date: Aug 2011
Location: KY
Boat: 1973 Morgan 41 OI / 22' Macgregor
Posts: 29
Need help with damage estimate!

My sailboat while at a marina was struck by another boat. It damaged the glass, teak rail a little stainless. The boat was in the Ohio River in central KY, I have been unable to get anyone to give me an estimate, because not being a sailing area. The only real boat glass guy recommended I write my own. Suggesting I was probably more knowledgeable than anyone in the area. This may be true of the repairs, but I have never wrote an estimate like this. Can anyone help me with the format or even an example of a quote. Thanks Jeff
__________________

__________________
jeff gillette is offline   Reply With Quote
Old 04-06-2012, 11:00   #2
Senior Cruiser
 
Cheechako's Avatar

Cruisers Forum Supporter

Join Date: Aug 2006
Location: Skagit City, WA
Posts: 19,369
Re: Need help with damage estimate!

any pics? maybe PM them to one of the Pro's here... Minaret etc...
__________________

__________________
"I spent most of my money on Booze, Broads and Boats. The rest I wasted" - Elmore Leonard











Cheechako is offline   Reply With Quote
Old 04-06-2012, 11:02   #3
Registered User
 
sww914's Avatar

Join Date: May 2009
Location: Punta De Mita
Boat: Vagabond 39 Hull # 1
Posts: 1,842
Re: Need help with damage estimate!

Yes, I have written many thousands of damage estimates on cars, a dozen on boats.
If you email me some very good pictures I will help you. Please keep the sun off of the lens and use a camera, not a cellphone. My eyes aren't what they once were.
email them and a description to sww914 at gmail dot com
Cheers,
Steve
__________________
Steve
http://www.landfallvoyages.com
sww914 is offline   Reply With Quote
Old 04-06-2012, 11:03   #4
Senior Cruiser
 
skipmac's Avatar

Cruisers Forum Supporter

Join Date: Oct 2007
Location: 29 49.16 N 82 25.82 W
Boat: Pearson 422
Posts: 12,387
Re: Need help with damage estimate!

Sorry to hear. Hopefully the responsible party is insured or is paying for the repair.

If you try to estimate it yourself don't forget the standard boat rule. "Any repairs will cost twice as much and take twice as long as you estimate."

Proved this to myself a number of times. Just to be sure I wasn't mistaken I'm proving it again right now.
__________________
The water is always bluer on the other side of the ocean.
skipmac is offline   Reply With Quote
Old 04-06-2012, 11:36   #5
֍֎֍֎֍֎֍֎֍֎

Cruisers Forum Supporter

Join Date: Apr 2006
Posts: 13,055
Re: Need help with damage estimate!

Jeff, presumably you are thinking of taking the boat somewhere else, where there IS a yard that can repair it?

I would contact that yard(s) and ask them if they can give you an estimate, either by sending someone out, or having you send them photos. Estimates really don't mean much, unless the person making them is also willing to do the work at that price. An independent adjuster "should" be able to give you an estimate, but then, what hourly labor rate will they use? That's gonna vary widely depending on where the job is done. Whether it needs to be done indoors in a proper paint shed, or outdoors in a field.

And if the boat has to be taken several days away (assuming it is safe to do so) for the repair...there's the cost of the transport trips to figure in too. "Just a scuff" on a hull can mean repainting that entire side of the boat in order to disappear it.
__________________
hellosailor is offline   Reply With Quote
Old 04-06-2012, 19:25   #6
Registered User

Join Date: Aug 2011
Location: KY
Boat: 1973 Morgan 41 OI / 22' Macgregor
Posts: 29
Re: Need help with damage estimate!

I have pulled the boat and have it back to my shop. The owner of the other boat does have insurance. The major insurance company says I have no claim because it was extreme weather conditions. Yeah right! No other boats broke mooring. Thanks for the good advise and I'll PM the pics. The damage appears to be mainly cosmetic, I do worry that the joint could have broke seal with the impact. The other boat has a new cabin way, thru the bow. Thanks for help!
__________________
jeff gillette is offline   Reply With Quote
Old 04-06-2012, 19:45   #7
cat herder, extreme blacksheep
 
zeehag's Avatar

Cruisers Forum Supporter

Join Date: Jul 2008
Location: furycame alley , tropics, mexico for now
Boat: 1976 FORMOSA yankee clipper 41
Posts: 17,777
Images: 56
Send a message via Yahoo to zeehag Send a message via Skype™ to zeehag
Re: Need help with damage estimate!

need pix to say anything
zeehag is offline   Reply With Quote
Old 04-06-2012, 20:05   #8
Moderator
 
Hudson Force's Avatar

Cruisers Forum Supporter

Join Date: Nov 2008
Location: Lived aboard & cruised for 45 years,- now on a chair in my walk-in closet.
Boat: Morgan OI 413 1973 - Aythya
Posts: 7,894
Images: 1
Re: Need help with damage estimate!

Jeff, I notice your boat is identified as a 1973 Morgan Out Island and you mentioned damage to the teak rail. Is that the teak toe rail or a refit rub rail replacing the original black rubber rub rail? If it is the rub rail, you are probably aware that this covers the hull deck joint that is vulnerable here in the 1973 model. Be sure to inspect for underyling damage if it's at the rub rail. 'far less concern if it's at the toe rail.
__________________
Take care and joy, Aythya crew
Hudson Force is offline   Reply With Quote
Old 04-06-2012, 20:37   #9
Registered User
 
Dennis.G's Avatar

Join Date: May 2011
Location: Sea of Cortez and the U.P. of Michigan
Boat: Celestial 48
Posts: 750
Re: Need help with damage estimate!

Quote:
Originally Posted by jeff gillette View Post
... The major insurance company says I have no claim because it was extreme weather conditions...


What in the heck is that one about?
__________________
Dennis.G is offline   Reply With Quote
Old 04-06-2012, 20:51   #10
Senior Cruiser
 
skipmac's Avatar

Cruisers Forum Supporter

Join Date: Oct 2007
Location: 29 49.16 N 82 25.82 W
Boat: Pearson 422
Posts: 12,387
Re: Need help with damage estimate!

Quote:
Originally Posted by Dennis.G View Post


What in the heck is that one about?
Same question. The insurance company for the boat that hit yours claims the accident is not covered due to weather conditions? That sounds like complete BS or the worst insurance policy I've ever heard of.

If the insurance company doesn't pay I think you have to go after the owner.
__________________
The water is always bluer on the other side of the ocean.
skipmac is offline   Reply With Quote
Old 05-06-2012, 07:46   #11
Registered User

Join Date: Aug 2011
Location: KY
Boat: 1973 Morgan 41 OI / 22' Macgregor
Posts: 29
Re: Need help with damage estimate!

My boat was hit repeatedly in the port stern quarter. The teak toe rail has a chunk removed, the black rub took the brunt of the impact removing half and breaking the lip off the seam in couple of places. I had requested that the insurance company pull my boat to inspect the rudder post and seam, thats when I was informed of extreme weather conditions. Yes I agree this is BS, they or he will pay the repairs. I think that because we were liveaboard for two years just returning home that we had limited resources to pursue the issue.
__________________
jeff gillette is offline   Reply With Quote
Old 05-06-2012, 08:06   #12
Registered User
 
Celestialsailor's Avatar

Join Date: Nov 2006
Location: In Mexico, working on the boat
Boat: Hallberg Rassy 35. and 14ft.Whitehall pulling skiff.
Posts: 8,013
Images: 5
Re: Need help with damage estimate!

If you're going through the other guys Insurance company,...let them deal with the estimate. Why should you? It's not your burden.
__________________
"Life is not a journey to the grave with the intention of arriving safely in a pretty and well-preserved body, but rather to skid in broadside, thoroughly used up, totally worn out, and loudly proclaiming: Wow - what a ride!"

http://wwwjolielle.blogspot.com/
Celestialsailor is offline   Reply With Quote
Old 05-06-2012, 08:24   #13
Marine Service Provider
 
Tony B's Avatar

Join Date: Jul 2011
Location: Presently in Rogersville, Al
Boat: Mainship 36 Dual Cabin
Posts: 695
Re: Need help with damage estimate!

Quote:
Originally Posted by jeff gillette View Post
............It damaged the glass, teak rail a little stainless. The boat was in the Ohio River in central KY, I have been unable to get anyone to give me an estimate, because not being a sailing area. ..........
What does not being in a sailing area have to do with repair work to a hull? A boat hull is a boat hull to me. A repair is made in conformance with the original build.
I have always owned a sailboat and yet I have repaired houseboats and trawlers?
Maybe I am misunderstanding.
Also note that every state has an Insurance Commission that will assist you with claims that may be wrongfully denied.
__________________
Mainship 36 DC - 1986
Retired and Full Time Cruising the Eastern U.S. inland Waterways
www.FreeBoatProjects.com
Tony B is offline   Reply With Quote
Old 05-06-2012, 08:58   #14
֍֎֍֎֍֎֍֎֍֎

Cruisers Forum Supporter

Join Date: Apr 2006
Posts: 13,055
Re: Need help with damage estimate!

"Also note that every state has an Insurance Commission that"
Amen.
While some states have worthless commissions, in MOST states it is very useful to call them before you even talk to the other insurer. Find out what the state laws are, write down chapter and verse, and when you call the other insurer you can say "Stop right there, I've checked and the state requires you to...Do I need to file a complaint or will you do what you are required to do?"
In some cases an insurer is also required to make payment in full within 30 days of receiving a valid claim, and if they don't...they have to answer to that same commission, and they may lose the right to argue about the dollar value.
It very much pays to start with calling the insurance commission, whatever they are called in your state. And if the first insurance rep who speaks to you on the phone gives you nonsense or makes threats--politely demand to speak to their superior, tell them you will not deal with them. You're allowed to do that, and they're generally required to find a manager, not just pass the phone to the next desk.
Your insurance commission will probably have some good advice on the subject of "extreme weather" versus a "named storm". The policy might exclude damage in the latter case, but not the first. And when they start mumbling "Act of God" again, your insurance commission can help you out with the reply to that one.
By the way, if you can legally record calls in your state? I would suggest doing so. Insurers have been known to lie bigtime and then swear you didn't understand what they never said. If that means buying a $50 microrecroder from Radio Shack, it is a good investment. I find that when you say "Yes, that's exactly what you said, would you like to hear the tape?" folks change their tune real fast.
__________________
hellosailor is offline   Reply With Quote
Old 05-06-2012, 09:10   #15
Registered User

Join Date: May 2012
Location: Palm Beach Gardens
Boat: 47 Ft Donzi
Posts: 6
Re: Need help with damage estimate!

Hey Joe here is that website with the custom DIY gelcoat repair kits are Good Luck
www doctorwholesale.com
__________________

__________________
gelcoatjeff is offline   Reply With Quote
Reply

Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off




Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -7. The time now is 18:25.


Google+
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
Social Knowledge Networks
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.

ShowCase vBulletin Plugins by Drive Thru Online, Inc.