>From my point of view it is what is considered ‘reasonable’ ... that’s a
>definition as I think most would agree would be open to interpretation. If a
>$500 repair results in a end-product that will “not bring the sail back to
>pre-damage condition”, then can it be considered ‘reasonable’? Granted, we all
>tend to accept that many repairs result in an end product not 100% as original.
From: Rich Knowles
Sent: Friday, December 27, 2013 11:51 PM
To: Peter Fell ; cnc-list@cnc-list.com
Subject: Re: Stus-List Wind Storm Damaged Genoa
You said "Policy coverage is for depreciated value on sails and they will only
cover “reasonable cost of repairs actually incurred” for partial losses."
Can you reasonably expect more than what your coverage offers?
Rich
On Dec 28, 2013, at 3:28, "Peter Fell" <prf...@gmail.com> wrote:
Well ... going from the nearest marine station we had 18 continuous hours of
wind over 50km/hr (30 kts). That’s the average of the last 2 minutes of each
hour. I was at the boat about 5-hours into that 18-hour time period and
everything was doing fine.
Not sure on the maximum gust speeds but the forecast was a severe wind
warning with gusts 60 to 80 km/hr (30 to 40 kts).
I’ve seen the comparisons between sailcloth that is completely toasted, limp,
etc.and mine ... and mine is light-years better than that.
From: Jim Watts
Sent: Friday, December 27, 2013 9:43 PM
To: Peter Fell ; 1 CnC List
Subject: Re: Stus-List Wind Storm Damaged Genoa
A ten-year-old sail is, in most insurance companies' eyes, a tarp. If it's
shredded by a 20-knot breeze, it's not even that good. Time for a new sail.
Merry Christmas! An excellent excuse.
On 27 December 2013 20:39, Peter Fell <prf...@gmail.com> wrote:
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
_______________________________________________
This List is provided by the C&C Photo Album
http://www.cncphotoalbum.com
CnC-List@cnc-list.com
--
Jim Watts
Paradigm Shift
C&C 35 Mk III
Victoria, BC
_______________________________________________
This List is provided by the C&C Photo Album
http://www.cncphotoalbum.com
CnC-List@cnc-list.com
_______________________________________________
This List is provided by the C&C Photo Album
http://www.cncphotoalbum.com
CnC-List@cnc-list.com
