Public Firework display just peppered sprayhood with holes!

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Countess of Camaret

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Just now seen my sprayhood peppered with burn holes, from major firework display, Maritime Ipswich event!

Taken couple of pics ... unsure how to pursue, and pissed off as I depend on it, as FT liveaboard, about to sail back to Brittany, home port there.

Anyone experienced similar, insurance cover, direct claim, etc?
 
Not fireworks but the hull of my boat was contaminated by an oil spill into Portsmouth Harbour due to someone's negligence.

I claimed on my insurance and had the hull cleaned, at no cost to me.

I would claim on your insurance. Likely others have also suffered damage.

The event organisers should also be insured against this sort of claim.
 
Countess of Camaret said:
Just now seen my sprayhood peppered with burn holes, from major firework display, Maritime Ipswich event!

Taken couple of pics ... unsure how to pursue, and pissed off as I depend on it, as FT liveaboard, about to sail back to Brittany, home port there.

Anyone experienced similar, insurance cover, direct claim, etc?
Click to expand...

If the sprayhood has holes, what about the sail cover and deck?
 
Graham376 said:
If the sprayhood has holes, what about the sail cover and deck?
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Yes it's possible I'll find more damage, though difficult to see in dark, precarious at great height above ground.

I just caught fire crew, who seem to be responsible for the display, end got them over to inspect, register it. They seemed unperturbed, not first time, and that I report to the marina, which is part of ABP, Associated British Ports, I believe. Glad I caught them, in the moment, and took photo of them at boat.

I can see id likely lose out, with my insurance, high excess, if I go that route.

Its hassle I really didn't need, as I am flat out trying to get engine back togethe, lift in, and reinstate SO much, before solo sail back to home afloat Brittany, before gales arrive.

Could have been worse... fire crew were ready to put the hose over the centre cockpit ... with no floor, as engine out ... flood the cabins!!!?
 
savageseadog said:
Legal action.
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This is a little guy vs big guy situation.

Claiming on his insurance gets him a new sprayhood fairly soon and off he goes back to Brittany to enjoy what's left of the sailing season.

Legal action means staying where he is and running up a huge berthing bill while he finds out exactly whom to take action against (that might not be straightforward), gathers evidence, seeks advice, writes letters (if he doesn't employ a solicitor), goes to court and suffers from all the rigmarole and stress that involves.

Meanwhile, the summer comes to an end and he's faced with a late-autumn or winter crossing.

And what if his legal action fails? No new sprayhood and a bill for legal costs. Is it really worth the hassle?

What's the point of having insurance if you aren't going to use it when you need it?
 
Poignard said:
What's the point of having insurance if you aren't going to use it when you need it?
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Depends on the amount of claim. Excess plus loss of ncb and as others have found, increased premium on renewal makes it questionable to claim for small amounts. From OP's point of view, it will help if other boats have been damaged as well so less wriggle room for organiser.
 
If you file a claim with your insurance and describe in all detail they certainly will turn to the event organizer in aim to hold them liable. This is what you pay them to do !

Not a task for you as it may well involve several other owners and insurance companies.
 
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Poignard said:
This is a little guy vs big guy situation.

Claiming on his insurance gets him a new sprayhood fairly soon and off he goes back to Brittany to enjoy what's left of the sailing season.

Legal action means staying where he is and running up a huge berthing bill while he finds out exactly whom to take action against (that might not be straightforward), gathers evidence, seeks advice, writes letters (if he doesn't employ a solicitor), goes to court and suffers from all the rigmarole and stress that involves.

Meanwhile, the summer comes to an end and he's faced with a late-autumn or winter crossing.

And what if his legal action fails? No new sprayhood and a bill for legal costs. Is it really worth the hassle?

What's the point of having insurance if you aren't going to use it when you need it?
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Your eagerness to have a go at everything I say is made clear once again.

My suggestion is based on the fact that an insurance claim may cost the OP money via an excess and increased future premium. If that's not the case, claim away.
In any case:
Speak to Insurance company and advise of issue and discuss before going further.

Contact the organisers, establish who could be liable. Cost...a phone call.

Submit a written statement of loss. Cost.... A postage stamp.

If liability is denied then decide how strong your case would be.
 
savageseadog said:
Your eagerness to have a go at everything I say is made clear once again.

My suggestion is based on the fact that an insurance claim may cost the OP money via an excess and increased future premium. If that's not the case, claim away.
In any case:
Speak to Insurance company and advise of issue and discuss before going further.

Contact the organisers, establish who could be liable. Cost...a phone call.

Submit a written statement of loss. Cost.... A postage stamp.

If liability is denied then decide how strong your case would be.
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Your #11 said:
Legal action.
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Have you now changed your mind and backtracked?
 
SaltIre said:
Your #11 said:

Have you now changed your mind and backtracked?
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No. They are the steps required to bring a case. You have to establish who's responsible and give them the time and opportunity to settle, it's obviously important to establish and quantity your loss.
 
savageseadog said:
No. They are the steps required to bring a case. You have to establish who's responsible and give them the time and opportunity to settle, it's obviously important to establish and quantity your loss.
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I agree with your latest advice, the first part of which is different from #11...
Speak to Insurance company
Click to expand...
(y)
 
savageseadog said:
Your eagerness to have a go at everything I say is made clear once again.

My suggestion is based on the fact that an insurance claim may cost the OP money via an excess and increased future premium. If that's not the case, claim away.
In any case:
Speak to Insurance company and advise of issue and discuss before going further.

Contact the organisers, establish who could be liable. Cost...a phone call.

Submit a written statement of loss. Cost.... A postage stamp.

If liability is denied then decide how strong your case would be.
Click to expand...
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1661089609819.png

You contradict yourself.

As for "[my] eagerness to have a go at everything [you] say", you flatter yourself if you think I take that much interest in you that I would look for opportunities to do that. Why should I? Who are you anyway? I don't know you personally, I've never met you ; all I know of you is what you post on a public forum.

I simply read what you say and, if I disagree with it strongly enough to say so, I do say so . There's no more to it than that.
 
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