So a couple weeks before Christmas, a windstorm of 40 – 50 km/hr ripped apart my 130 genoa overnight. It stayed furled on the boat but the top caught the wind and peeled it down, ripping 3 panels across the leech / UV cover, breaking the leech line, etc. No damage to the furler though ... I had that checked out by a rigger.
Local loft says $500 to fix the sail but the “designed shape has been compromised and repairs will not bring the sail back to pre damage condition”. That’s the loft manager’s wording verbatim. So far insurance underwriter has responded back to the adjuster that they are willing only to ‘repair’ the sail, with the net result of me spending another $250 (deductible) on essentially a ruined sail. The adjuster is going to try again with a different approach. I’ll hear back in the new year on that. I’m not obviously happy with this, considering, although the sail is 10+ years old, it was in pretty good condition (sailcloth and shape-wise) ... so much so that it was deemed worth it to have $500 of re-stitching, new UV cover, leach line, etc. done just over a year ago! Policy coverage is for depreciated value on sails and they will only cover “reasonable cost of repairs actually incurred” for partial losses. Seems like pretty crappy coverage given what they consider ‘reasonable’ repairs. I think my loft manager needs to be a bit more descriptive in their wording as well. A new sail has been quoted from the loft at $2,500. Of course adding a new sail won’t allow me to increase the insured value of my boat either ... since it would not be a new equipment addition to the boat ... just a replacement. A little loophole I discovered earlier this fall when I asked about this regarding my newly rebuilt engine ... since it is not a new addition and most of the cost was in labour and replacing existing parts ... no value increase was deemed possible. OK, I’ve finished my rant! Anyone have any suggestions? Peter Fell Sidney, BC 1979 C&C 27 MkIII
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