Divemaster1
Well-Known Member
Congratulations !! Very good news indeed....
Fantastic stuff Seahope. I've just seen the email from insuurers that you forwarded to me and they seem now to be behaving very well so it looks like you'll get a proper refit of the boat paid for by them. Great stuff. I'm really pleased for you especially as you've had 2 months facing a pretty lousy scenario
This makes an interesting case study. A sea cock corroded elctrolytically, due to a wiring mistake that made it an anode. insurers refused to pay because contract excludes losses due to corrosion. But the proximate cause was of cause not corrosion, but the wiring mistake. Insurer's commissioned a metallurgist's report which of course said the seacock corroded. But there was a killer sentence in the report that, unwittingly, in effect confirmed (if read/interpreted correctly) that the cause was indeed lkely to be a wiring mistake. So we used insurer's own report, which they had tried to use against Seahope, to defeat them. Nice outcome! Insurers, check which way the gun is pointing before you pull the trigger
But to be fair to insurers, once they realised their game was up and that Seahope had a sustainable case for a valid claim, they conceded quickly and fully, so all in all I'd say reasonble fair play to them Anyway, all's well that ends well
Insurers, check which way the gun is pointing before you pull the trigger
Fantastic stuff Seahope. I've just seen the email from insuurers that you forwarded to me and they seem now to be behaving very well so it looks like you'll get a proper refit of the boat paid for by them. Great stuff. I'm really pleased for you especially as you've had 2 months facing a pretty lousy scenario
This makes an interesting case study. A sea cock corroded elctrolytically, due to a wiring mistake that made it an anode. insurers refused to pay because contract excludes losses due to corrosion. But the proximate cause was of cause not corrosion, but the wiring mistake. Insurer's commissioned a metallurgist's report which of course said the seacock corroded. But there was a killer sentence in the report that, unwittingly, in effect confirmed (if read/interpreted correctly) that the cause was indeed lkely to be a wiring mistake. So we used insurer's own report, which they had tried to use against Seahope, to defeat them. Nice outcome! Insurers, check which way the gun is pointing before you pull the trigger
But to be fair to insurers, once they realised their game was up and that Seahope had a sustainable case for a valid claim, they conceded quickly and fully, so all in all I'd say reasonble fair play to them Anyway, all's well that ends well