This one was written a coupla days ago, but seems to have got lost
in the ether. It's obviously a reply to your latest that Snowpetrel also responded to.
What you have bitten off may be indigestible. It is unlikely that you can find insurance without a survey. I believe that Jan deGroot out of Vancouver
was around when Samson Marine
built the LaFarge Barges, as they were commonly known around here. It is possible that he has actual experience surveying FC boats, or at least FC hulls. I have seen one or two FC hulls that were excellently built. I hope yours is one such. However, even if that be so, I would urge you to give thought to what I say below.
If I were a surveyor
- which I am not - I would partition the survey into two parts
: 1) The hull itself and 2) the fitting out. because the fitting out is rather independent of the material used in the hull construction save for some rather obvious overlaps such as the fastening of the chain plates. I think that for a hull this size, and in particularly for an "owner fitted" hull, you would be looking at some few thousand dollars in survey fees
, but without acceptable survey you are not likely to get insurance.
Jan DeGroot's address is: 21909 3 Ave, Langley, BC.
While the material here: Surveyor's Negligence
, is rather dense, I think you would do your self a favour reading it because it will give an insight into the complicated legal environment
in which surveyors and marine insurance underwriters operate. Always remember that you approach to a surveyor or an underwriter is an INVITATION from you to him/them to enter into a legally binding contract
with far-reaching legal
consequences. Precisely because the legal consequences for surveyor/insurer can be so far-reaching, the surveyor/underwriter is perfectly free to decline your invitation if he doesn't like what he sees - specifically if he doesn't like what he sees in your approach to him.
A 60 footer is a mighty big hammer, so make sure you understand what it means to "self-insure", and what the legal implications of it are. IMO that is simply a foolish and delusionary thing to do. I argue consistently that no man should ever put more money in a boat than he can walk away from with a smile on his face. Being able to do that covers "self-insuring" the hull. LIABILITY insurance is a kettle of fish
of a different colour, and , without knowing your circumstances, I doubt that you would have the financial strength to "self-insure" for liability. I certainly don't!!
It is possible, if you have home-owners or tenants insurance, that the liability component of that insurance will cover you for liability while operating your boat. Read the "wordings" of your policy, particularly the "exclusions". You will find that operating hang gliders and other such fun activities, as well as engaging in automobile/sailboat racing
, and very possibly going sunday-sailing in a boat such as yours, will invalidate the liability coverage while you are doing so. That is why you are unlikely to find a marina slip unless you have liability insurance ON THE BOAT. But you won't get it, methinks, without a current
survey. And I dare say, given the size of the boat, you won't get it unless you, as skipper
, are able to furnish the requisite, recognized "proof of competence"
Not very cheerful counsel, I know, but the good thing about beating your head
against a wall is that it feels so-o-o good when you stop :-)!
All the best