I have an broken TTop all four posts near the top have an almost all the way around crack in them. Some are 3/4 the way around and the others are all the way around. I need to replace and am going to replace the ttop witha new one but was looking to file a claim with my insurance company. The catch is in reading the policy it states that wear and tear, fatigue etc are not reasons for a claim. But this in my mind is more severe then wear and tear four alluminum post are cracked all the way through from a cpl trips offshore last season. Has anyone dealt with insurance claims before and have any advice on how to file/report it. Appreciate any help in advance thanks.
What king of boat? Good luck with insurance.
I don’t think that’s an insurance issue. More like warranty. How old is the boat, or who built the top?
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TTop is out of North carolina not sure off the top of my head but boat is 2003 so I would assume late 03 early 04 was when ttop done. Is that maybe normal age for ttop to start breaking down?
insurance will not respond for this situation. Even though its only a few years old, they will say its wear and tear. now if your boat was adrift and was blown under a dock where the impact caused the ttop to become damaged, than yes, insurance would cover it.
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The failure us due to poor workmanship/design.
Iain Pelto
Edgewater 185CC “Jumpin’ Bean II”
wait until we have a real high tide and run up the Wando until you get to the 41 Bridge. If it doesn’t look like you’ll make then proceed on through.
Triton 22 LTS
225 Opti
Insurance will not cover a mechanical failure, like others have said. You’d have had to have hit something to break it, then it would be covered.
You can expect to see language similar to this:
quote:
"We will pay for loss to the insured watercraft arising out of an accident. The accident and the loss must occur during the Policy Period shown in the Declarations.We will not pay for loss arising out of:
- mechanical, engine, transmission, electrical, or
structural failure;- wear and tear, deterioration, weathering,
corrosion, rust, metal fatigue, or electrolysis;- faulty manufacture or defect in design;"
</font id=“quote”></blockquote id=“quote”>and stuff like that. If you file a claim, the insurance company will probably send an adjuster to inspect the damage. If they find the loss is not covered, they’ll deny the claim…the dollar amount doesn’t matter to the ins. company…it’s all about whether or not the loss is covered. If it is, they’ll pay, if it ain’t, they won’t.
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Sounds like workmanship.
Take it to HappyBob and have him weld it and it will be better than when it was new. (obviously)
OBTW…You’ll have a lot less money in it that way.
After reading my insurance policy I figured this was the case but thought id double check the forum and as i suspected im in the same situation. Thanks for all the input guys
your welds are tig welds which do not have much metal on them we see stress cracks in large welds from time to time . just have them re tigged they will look like new and you will be back on your way and this should cost less than your deductable.
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I was out in CE classes most of the week and didn’t see this when it was posted, but I concur with Claim, Mhogan, and the others above: this is most likely not a valid claim. They told you the straight truth. The above problem would most likely be deemed by an insurance company to be wear and tear/deterioration or a manufacturer’s latent defect.
However, as an agent, I (and any and all agents) do not make determinations over whether claims are paid; adjusters do. So, you can file the claim with your agent/company if you want, but just keep in mind that your insurance history can be determined or affected by losses, not necessarily just paid claims. Some are not aware that reporting a loss, even if it isn’t paid as a claim, can sometimes affect you. So, I personally, as an insured myself, think stragically over which things I will even submit; I don’t file for small things or things that I think will likely be denied, because I don’t want to build unnecessary negative history for no real gain for myself. That being said, one should always be honest when asked about loss history anyway, and not conceal material information, so take that for what it’s worth. What I am saying here is that, in my opinion, this is not a loss, but wear and tear or a manufacturer’s latent defect, so I would not report it, personally, because I would not want it recorded as a “loss” when it isn’t and won’t be paid as a claim anyway. However, your agent has the responsibility to file and/or report any potential loss or claim you submit, so that is your call.
Also, keep in mind that property insurance is intended to cover accidents and events that happen at one time, not long-term degredation or deterioration that happens over an extented period of time, gradually (except where expressly covered in a given policy). So, like the others said, the above problem would, therefore, most likely be deemed either wear and tear or latent defect of the manufacturer, unless you could point to a specific, covered event (“peril”) that ca