Ryan Creek Marina I NEED TO VENT

[inboard60]

Hey i am an insurance agent . . . we have always totalled boats that sunk even in clear water . . . I would not personally accept one that had sunk . . . had a friend who had a 95 SS go under after a tornado picked up the boat dock and sat it back on top of the boat . . . it was under for three days, fresh water, they totalled, he kept, it never gave any one a dependable weekend after that . . . the only way to make one work would be to do a whole new wiring harness, computer, new starter, rebuild tranny, sterring cable, new upholstery. . . basically do like they do when they restore a boat strip it down and rebuild it from at least the floor out . . . i would not accept any thing less and at $30K this should be a total

[Lvnspeed]

Can you believe even after I sent State Farm the emails from Correct Craft they still want to just fix this boat...... Man I am getting soooo screwed.

[Nautiquehunter]

Is State Farm going to stand behind the repairs? The only way I would accept a fix is if
the boat was sent back to the CC factory for a complete rebuild. Contact a lawyer, insurance
companies don't like law suits. If all else fails post your story on all the forums you can find
and let others know how State Farm handles claims . I will never use them after this.

[WakeSlayer]

I guarantee my agent with State Farm would get that totalled for me. They are all different. Have you spoken to your agent? or just a claims adjuster?

[Nautiquehunter]

I guess its not Like A Good Neighbor State Farm Is Where?

[harddock]

hire an insurance arbitrator quick

[wakeboardin2k4]

We had a boat sink at the dock last year at the marina I work at. We "fixed" it but its now on its 4th starter yet. Bad thinks happen with sunken boats.

[wakeboardin2k4]

PS, ill take your motor/tranny if it gets junked!

[SkiTower]

have they given you a detailed description of what 'fixed' is?

[gride300]

progressive all the way

[Lvnspeed]

They have a marine appraser that claims it will be fine with just some parts replaced. :evil: I told State Farm I would only except one of 2 options:

1) replace every wire and electrical componet
or
2) a CHECK

[aarond0083]

Ski Safe all the way. Progessive is big $.

[bchesley]

Ski Safe here too. I have used them for 10+ years and have had nothing but A+ service and the price is right on....

[Nautibouys]

I keep coming back to this as its interesting...But I have to say its a real headscratcher for me to try to understand how this happened. Were the thieves trying to drive the boat away, and if so at speed and with the bilge wouldn't you at least be able to get to shore. And secondly, if it was floated away what were they planning on doing after they got to a public access dock? I just don't understand some people. You would have needed a plan to have a 19 foot inboard trailer. Not like stealing a Harley from a bar parking lot, seems like more work than its worth.

But, I hope it all works out for you if I remember correctly you got a pretty sweet deal on this boat and the insurance money would as they said on the Jefferson's "Movin on up" Good luck.

[HS]

This is way out of line, but cynically speaking, I think the insurance company is going to be motivated to do the minimum amount of repair. Once it "runs" they will say they've satisfied your claim, but latent problems will remian. The repair process as a result will probably end up getting "piece-mealed" becasue all of the work that ends up being needed cannot be foreseen at the present time, so they will direct only little pieces to be performed and see if the boat runs. To be fair to the shop, they cannot foresee all that might need to be done, either, and they are forced to do what they are told or approved to do by insurance adjuster. The result is a long, painful process, that will not restore your boat the the condition it was in "pre-loss". I would advocate that anything less than pre-loss is not acceptable -- but I have never had to deal with this situation, so you need to read and understand your policy to get what you are entitled to receive.

And, they are betting that the longer it takes, the more frustrated you will become and you'll end up settling on their terms just to be done with them. Stick to your guns and hang in there!

You know, if I was a salesman at the boat yard, and I felt the boat should be declared a total loss, I would sure be talking with the boat yard to make sure every item of damage and repair cost was identified -- as a result, maybe I'd get to sell a new boat based on the forthcoming insurance proceeds. Maybe I'd take that salesman to lunch and ask for his opinion...