Insurance advice after **** day

Clyde_Wanderer

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a polite kick would seem to be in order, is there any reason why a delay in getting the boat repaired would ramp up their costs? if yes tell them about it.

I have resigned myself to the fact that it will be new year before anything finnal happens.:(


Aside I wish you all a happy Christmas, and be sensible with the booze, unlike me!:D
C_W
 

viago

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this sort of thing is a nightmare. if you type into google "1972 hurley 27" you will see another accident waiting to happen. sadly im afraid that you must take some responsibility for this and if i were the insurer then i would be reluctant to pay out.
why? because anyone can see that the boats there are inadequately secured and, under the conditions of your insurance, you have a duty to take reasonable care or the liability.
i had the same cocky attitude from my boatyard in plymouth. they secured my long keeler using purpoe built metal props held together with strops but the boat developed a list. on closer inspection i felt the complete lack of padding against my gellcoat and the curvature of the hull against the flat plate was likely to cause damage. when i insisted that they rectify the situation their attitude stank. unfortunately i really let rip! still it got fixed that day.
good luck with your claim and let the boatyard have both barrels.
 

Scotty_Tradewind

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this sort of thing is a nightmare. if you type into google "1972 hurley 27" you will see another accident waiting to happen. sadly im afraid that you must take some responsibility for this and if i were the insurer then i would be reluctant to pay out.
why? because anyone can see that the boats there are inadequately secured and, under the conditions of your insurance, you have a duty to take reasonable care or the liability.
i had the same cocky attitude from my boatyard in plymouth. they secured my long keeler using purpoe built metal props held together with strops but the boat developed a list. on closer inspection i felt the complete lack of padding against my gellcoat and the curvature of the hull against the flat plate was likely to cause damage. when i insisted that they rectify the situation their attitude stank. unfortunately i really let rip! still it got fixed that day.
good luck with your claim and let the boatyard have both barrels.

what yard are you in?
 

Spyro

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this sort of thing is a nightmare. if you type into google "1972 hurley 27" you will see another accident waiting to happen. sadly im afraid that you must take some responsibility for this and if i were the insurer then i would be reluctant to pay out.
why? because anyone can see that the boats there are inadequately secured and, under the conditions of your insurance, you have a duty to take reasonable care or the liability.
i had the same cocky attitude from my boatyard in plymouth. they secured my long keeler using purpoe built metal props held together with strops but the boat developed a list. on closer inspection i felt the complete lack of padding against my gellcoat and the curvature of the hull against the flat plate was likely to cause damage. when i insisted that they rectify the situation their attitude stank. unfortunately i really let rip! still it got fixed that day.
good luck with your claim and let the boatyard have both barrels.


Clyde Wanderer's boat Humming bird is the boat in the cradle, it didn't move. How is he resposible?
 

viago

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Clyde Wanderer's boat Humming bird is the boat in the cradle, it didn't move. How is he resposible?

if you look at the picture very carefully you will observe that the boats either side of the wanderer are inadequately secured using pit props. to put your boat between those two is like driving between two stock cars at a demolition derby. ie. "he was asking for it"
i think its a fairly simple concept.
 

viago

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Clyde Wanderer's boat Humming bird is the boat in the cradle, it didn't move. How is he resposible?

incidentally, humming bird is not in a cradle! but is supported by the same purpose built props that support mine. you may notice that, even with at least an inch of padding, the gel-coat is still trashed.
 

A1Sailor

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Sorry to hear about your difficulties CW. Sincerely hope things get sorted satisfactorily soon.
In the same storm, some ridge tiles got blown off my neighbour's roof and took out one of our downpipes; not a big deal. They missed the windows!
I returned them, and invited my neighbour to get my downpipe replaced when their roof was getting fixed. It was - albeit grudgingly... "It wasn't our fault - it was the wind!"
My insurance company's view was that my neighbour or their insurance company should pay.
Trivial damage compared with CW's - but the same principle.
 

Boomshanka

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this sort of thing is a nightmare. if you type into google "1972 hurley 27" you will see another accident waiting to happen. sadly im afraid that you must take some responsibility for this and if i were the insurer then i would be reluctant to pay out.
why? because anyone can see that the boats there are inadequately secured and, under the conditions of your insurance, you have a duty to take reasonable care or the liability.
i had the same cocky attitude from my boatyard in plymouth. they secured my long keeler using purpoe built metal props held together with strops but the boat developed a list. on closer inspection i felt the complete lack of padding against my gellcoat and the curvature of the hull against the flat plate was likely to cause damage. when i insisted that they rectify the situation their attitude stank. unfortunately i really let rip! still it got fixed that day.
good luck with your claim and let the boatyard have both barrels.

CW, I hope you're getting things sorted out, must have been a horrible shock to get that news.

Viago... I guess this is the boat you mentioned... whilst I disagree with your views towards CW, I do agree that yards need to stop shoring (fully rigged) boats like this... perhaps it will move towards all boats on the hard having to use a (owner supplied/rented) cradle?

3275833_0_140220111451_1.jpg
 

sailorman

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CW, I hope you're getting things sorted out, must have been a horrible shock to get that news.

Viago... I guess this is the boat you mentioned... whilst I disagree with your views towards CW, I do agree that yards need to stop shoring (fully rigged) boats like this... perhaps it will move towards all boats on the hard having to use a (owner supplied/rented) cradle?

3275833_0_140220111451_1.jpg

nothing wrong with timber props / shores correctly cross braced together to form a cradle.
Those in the photo are unsafe
 

A1Sailor

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3275833_0_140220111451_1.jpg

nothing wrong with timber props / shores correctly cross braced together to form a cradle.
Those in the photo are unsafe


Meanwhile, back to the thread:
Here is Clyde Wanderer's boat, suitably propped IMHO - before he had the misfortune to have someone else's boat fall on her... CW even has a steel cradle!
Greenheartsfinnalrestingplace.jpg
 
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viago

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i seem to be under siege from so called sailors!
i was simply trying to raise a valid issue about taking a proactive approach to managing the risks to ones own property. i understand that this may be controversial and not the norm but i (maybe stupidly) expected at least some support for my position.
i am sure that these yards who state that "any damage, including lifting in and out, is the responsibility of the owner" could be in for a serious legal challenge any time soon. equally, i am sure that insurance companies are going to be increasingly reluctant to pay-out on damage to boats occurring in these yards.

i dont mean to be unduly critical of the wanderer, his was just an unfortunate plight used to raise a point of interest.
 

sailorman

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i seem to be under siege from so called sailors!
i was simply trying to raise a valid issue about taking a proactive approach to managing the risks to ones own property. i understand that this may be controversial and not the norm but i (maybe stupidly) expected at least some support for my position.
i am sure that these yards who state that "any damage, including lifting in and out, is the responsibility of the owner" could be in for a serious legal challenge any time soon. equally, i am sure that insurance companies are going to be increasingly reluctant to pay-out on damage to boats occurring in these yards.

i dont mean to be unduly critical of the wanderer, his was just an unfortunate plight used to raise a point of interest.

there many so called sailors here with many years of so called & varied experience & expediencies ;)
some potter some go a bit further some even go out of sight :)
 
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