Please advise accordingly

[steveeasy]

Blimey, life is complicated or people make it hard work. Had a ding. Got a quote to fix it. Insurance approved it.

Told the contractor if he needed anything it had to be approved before doing it. Turned up at boat today and my boat is in a lift. No mention by yard or contractor they needed it or where lifting it.
Why no one told me let alone ask beggers belief I’m sure I’ll be getting a hefty invoice though. The insurance won’t coff up and why should they if no one tells them.
Steveeasy

 

[Biggles Wader]

If you got a quote to fix it then I would assume that is what you, or your insurance, will pay. If the contractor has taken it upon themselves to lift your boat then that is a matter for them. I wouldnt pay for something I didnt ask for.

 

[steveeasy]

Don’t know what to do now. I try and make things so clear and straightforward.
In writing if you need anything it must be approved in advance. I suppose I just need to wait and see.

Steveeasu

 

[Stemar]

If you got a quote to fix it then I would assume that is what you, or your insurance, will pay. If the contractor has taken it upon themselves to lift your boat then that is a matter for them. I wouldnt pay for something I didnt ask for.

I don't know what the legal situation is, but I'm 100% with you morally. If I get a quote, then that's what I expect to pay unless something fairly dramatic comes up. Even if it's only an estimate, I expect to give an OK before they go more than 10% or so over.

The difficulty comes when they want payment before they lift you back in...

 

[Tranona]

Don’t know what to do now. I try and make things so clear and straightforward.
In writing if you need anything it must be approved in advance. I suppose I just need to wait and see.

Steveeasu

You do seem accident prone! However how can anybody "advise" based on what you have written except clarify with the yard/contractor what is going on. Without seeing the damage, quote for the work, claim submitted and agreed one can only guess.

Normally the contract for the repair is between you and the contractor not with the insurer, who will pay when you have confirmed that the repair is complete to your satisfaction.

 

[steveeasy]

You do seem accident prone! However how can anybody "advise" based on what you have written except clarify with the yard/contractor what is going on. Without seeing the damage, quote for the work, claim submitted and agreed one can only guess.

Normally the contract for the repair is between you and the contractor not with the insurer, who will pay when you have confirmed that the repair is complete to your satisfaction.

Oh thanks. Of course your right there. So I try to keep things very straightforward and concise.

I have a contractor. He provided quotation. I forward to ins they approve. I tell contractor he can start and in writing make it clear any additions that are required need to be approved before they take place.

I turn up at yard and my boat is in slings. Neither party has spoken or emailed me. So I go about my business as normal. But I wonder like anyone else would us going on. I’ve already had two insurance invoices from the yard I had no intention of submitting to my insurance, one of those lifts is included in my annual contract . So I’ve paid twice. Yes how made is that.
My first ding in 10 years so I’m not too embarrassed.


Steveeasy

 

[Tranona]

There is clearly some misunderstanding here that maybe not even connected with the insurance job. does it require the boat to be out of the water?

I don't really understand that last paragraph about lifts. Doesn't make any sense.

BTW accident prone was not really about dinging your boat but getting into awkward situations with others where you need to seek advice here.

Sleep on it and sort it out with the yard tomorrow.

 

[steveeasy]

Yes your correct again. I do a very good job of getting in to awkward situations.

Not sure I got myself in to this one though. I have a phone and email and should have been contacted. Then I could have dealt with it correctly.

When I dinged my boat I asked for it to be lifted. It was agreed when it was lifted if it had damage it would be put in a cradle. It had a split keel so they put it back in the water!!

So I asked to take it out again for the winter this time. It’s included in my contract out storage back in. I got two invoices for this. When I questioned it I got told they are for your ins.

So I paid both of them. And now pay monthly for a haul out and in that I’ve already paid for. I appreciate you don’t always get what you want but really I must have mug stamped heavily on my forehead.


I like things black and white as it really avoids any possible problems.

Steveeasy

 

[dunedin]

Yes your correct again. I do a very good job of getting in to awkward situations.

Not sure I got myself in to this one though. I have a phone and email and should have been contacted. Then I could have dealt with it correctly.

When I dinged my boat I asked for it to be lifted. It was agreed when it was lifted if it had damage it would be put in a cradle. It had a split keel so they put it back in the water!!

So I asked to take it out again for the winter this time. It’s included in my contract out storage back in. I got two invoices for this. When I questioned it I got told they are for your ins.

So I paid both of them. And now pay monthly for a haul out and in that I’ve already paid for. I appreciate you don’t always get what you want but really I must have mug stamped heavily on my forehead.


I like things black and white as it really avoids any possible problems.

Steveeasy

Now I am getting very confused with what you are saying.
You originally asked for it to be lifted and put in a cradle - but that didn’t happen and it was relaunched? If so that was the issue you should be concerned about. And an issue with the yard (or clarity of your instructions), not the contractor.

If the repair you are needing is to the keel, then of course the contractor would have to have the boat lifted out to do the repair, so what is the surprise?

Incidentally, if it is a repair to the keel, the insurer would generally pay for the lift and relaunch to do the repair. Mine included the yard fees when ashore, though I had not asked for them.

 

[steveeasy]

Now I am getting very confused with what you are saying.
You originally asked for it to be lifted and put in a cradle - but that didn’t happen and it was relaunched? If so that was the issue you should be concerned about. And an issue with the yard (or clarity of your instructions), not the contractor.

If the repair you are needing is to the keel, then of course the contractor would have to have the boat lifted out to do the repair, so what is the surprise?

Incidentally, if it is a repair to the keel, the insurer would generally pay for the lift and relaunch to do the repair. Mine included the yard fees when ashore, though I had not asked for them.

No I think your close.

The fist lift was frustrating as it was put back in. The second lift I thought rightly or wrongly could be my lift out I pay for.. I got billed for both. Frustrated
In the spirit of goodwill and peace I just paid.



So the boat is out in a cradle. On blocks so they can work on keel.

The quote did not require it put in slings. Therefore the insurance did not approve the cost. The insurance specifically stated any further costs must be notified to them prior to work commencing. I notified the contractor of this in writing.

So I turn up and boat is in slings. So I am assuming it’s not a freebee. I’m feeling like the contractor should have made the request to me. In turn I’d have got a price from the yard. Given this to the insurer and they could have considered it. I would then have arranged it.

Now I’ve no idea how much I’m going to get hit with or is it anything to do with me. Not really but morally who knows.

Steveeasy

 

[steveeasy]

Just.to clarify. I’m not angry. I’ve met the contractor and the work is good. I’m just worried I’m going to get hit with a big bill. I am also a little peeved which is not angry no one bothered to even speak with me. It is my boat and potentially my liability.

I am also very well aware I’m a very easy target probably cos I’m Too polite. We have been here before little I can do about it I should just be an arse.

Steveeasy

 

[Boathook]

Asking for the keel to be repaired means that the boat has to be out of the water. If I had arranged for something like this I wouldn't expect the contractor to ring me that the boat needed to be lifted.
Does the price given by the contractor include the lift, but either way the insurance company will know that keel repairs require the boat to be lifted.

 

[trevbouy]

It's interesting really. I was in business for years and used 'estimates' and 'quotes' in terminology with what I thought was the usual meaning.
Then one day chatting to a solicitor about a 'loss' job where I stuck to the 'quote.' I was surprised to find that a 'quote' for the work was just that, a 'quote' and could be altered according to circumstances.
The correct format is a 'fixed and firm price' for agreed works to be just that, with no wriggle room except agreed 'extras' which are in writing.
After that I sometimes used that format with a small book for writing the extras for the client to sign. You know the kind of thing ''while you're here can you just'

 

[steveeasy]

Asking for the keel to be repaired means that the boat has to be out of the water. If I had arranged for something like this I wouldn't expect the contractor to ring me that the boat needed to be lifted.
Does the price given by the contractor include the lift, but either way the insurance company will know that keel repairs require the boat to be lifted.

Really. I’m not a idiot. well not too much of oneThe boat was out the water already in a cradle Raised on blocks as agreed in situ and had been made ready 2 months earlier. Scrubbed.

Then during repair it was moved and put in slings for better access. The point and only point no one mentioned it to me. If I’m liable then I should have been spoken too. I could then have put it to my ins.


Steveeasy

 

[oldbloke]

It's unclear from your posts whether you have actually confirmed that the cost of the lifting and slinging is extra.
If it is then phone insurance Co and explain the saga. There is a good chance that they will cover it as it needed to be done.
V annoying though, contractor probably assumed too much.

 

[steveeasy]

It's unclear from your posts whether you have actually confirmed that the cost of the lifting and slinging is extra.
If it is then phone insurance Co and explain the saga. There is a good chance that they will cover it as it needed to be done.
V annoying though, contractor probably assumed too much.

Hi.

Hi
All sorted now. As suggested some sleep and a conversation. It was moved to help no charge. I repeat no charge.
steveeasy

 

[dunedin]

Just.to clarify. I’m not angry. I’ve met the contractor and the work is good. I’m just worried I’m going to get hit with a big bill. I am also a little peeved which is not angry no one bothered to even speak with me. It is my boat and potentially my liability.

I am also very well aware I’m a very easy target probably cos I’m Too polite. We have been here before little I can do about it I should just be an arse.

Steveeasy

OK, that is another change in the story you set out before. Slowly starting to get some clarity of the story.

But yes it is likely that when repairing the bottom of the keel the boat will need to be lifted to access the area of the keel where the blocks were. So not surprising. And again our insurer covered that relift as part of the repair - though in our case my repairer had warned and I had also warned the insurer.
Hopefully your insurer will cover also. And at least the keel should soon be repaired.

 

[steveeasy]

OK, that is another change in the story you set out before. Slowly starting to get some clarity of the story.

But yes it is likely that when repairing the bottom of the keel the boat will need to be lifted to access the area of the keel where the blocks were. So not surprising. And again our insurer covered that relift as part of the repair - though in our case my repairer had warned and I had also warned the insurer.
Hopefully your insurer will cover also. And at least the keel should soon be repaired.

No I’ve not changed the story I may have not been clear or you interpretated it differently.

I am very pleased with the work and will use the person again for any other work I need doing.

steveeasy