So I did get word fom the adjuster of a revised settlement. I've ordered a 140 genoa from a local loft - either made here locally or down in the US. My out of pocket cost will be about $400. The loft matched the North sails 20% Vancouver boat show discount.
Now all I have to do is get my furler sorted ... as per my separate posts on the subject. -------- Original message -------- From: Peter Fell <prf...@gmail.com> Date: 12-30-2013 9:29 AM (GMT-08:00) To: cnc-list@cnc-list.com Subject: Re: Stus-List Wind Storm Damaged Genoa - Insurance Thanks Mike Unfortunately while I have a lot of documentation from the previous owner, such as his logbook (he purchased the boat in 2004) ... no receipts for the sail. The boat was an estate sale so what I got is all I will get (I did ask the widow during the purchase process if there was any additional documentation). I also quizzed the PO’s last sailing partner, who was a wealth of info and had worked on several larger projects on the boat (e.g. electric windlass installation). I think I shall do some boat show sail shopping ... and insurance (but that will have to wait till September). Peter From: Hoyt, Mike Sent: Monday, December 30, 2013 5:44 AM To: cnc-list@cnc-list.com Subject: Re: Stus-List Wind Storm Damaged Genoa - Insurance Peter Once you have sorted this out you may wish to shop around your insurance which likely renews annually anyway. I am currently with the "Mainstay Yacht Plan" (Fairway Insurance) and for sails it is as follows: 1 - 5 years old. 100% paid 6-10 years. Owner pays 20% 11-15 years. Owner pays 25% 16-20 years. Owner pays 35% 21-25 years. owner pays %50 25+ no coverage Your sail was 10 years old - do you have receipts for previous owner? Receipts would help with your ins co. A ten year old sail is not in any way comparablee to a new sail. This is a roller furling 130% genoa on a C&C27-III. I am guessing from that is the Go To sail for the boat and is well used over those ten years. Sail shape will have been compromised and a new sail will be a delight Regarding new sails. Be careful what you buy. There are some lofts that do not specialize in racing sails but make pretty good and reasonably fast sails anyway. There are also lofts that make horrible sails. Our boat came with many sails when we purchased in 2007. The newest was a 2004 North Dacron Main 4800 Cruise. It was three years old when we bought the boat. This was made by North Sailes East in CT who also made an excellent roller furling 150 for the boat. The main was absolutely horrible! The draft pocket was huge and it was impossible to trim a decent shape into this sail. PO paid $1682.22 for this sail in April 2004 and I used it twice and sold it for $300 in 2011. We used a 1995 UK Tape drive main in its place which was old but far far better- then we paid $3500 for a decent main sail in 2009. The 1600 spent on this sail was a complete waste of money as the sail was useless and either a very poor design or a poor execution of a decent design. You have a 27 mark 3 which has a rep as a tender boat. You would benefit greatly from new flatter sails to keep the boat flat and fast. I have been in the position of a tender boat with sails that seemed good but were older and bagged out. The boat will heel excessively and you will be reefing or changing sails frequently. A new sail with draft forward will transform a C&C 27-III So speak to your adjuster and find a way for him to write the old sail off and consider what you get a discount on a new sail. One final thing. Watch the weather. When big winds are predicted take the sail off the furler and store it in the boat. Furled sails have a tendency to unfurl in a wind and get damaged. Mike From: CnC-List [mailto:cnc-list-boun...@cnc-list.com] On Behalf Of Rich Knowles Sent: Saturday, December 28, 2013 8:03 AM To: Peter Fell; cnc-list@cnc-list.com Subject: Re: Stus-List Wind Storm Damaged Genoa Perhaps they should simply consider the sail damaged beyond repair and offer you the depreciated value less your deductible. That would likely leave you with a damaged sail and next to no cash. Rich On Dec 28, 2013, at 4:34, "Peter Fell" <prf...@gmail.com> wrote: 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 _______________________________________________ This List is provided by the C&C Photo Album http://www.cncphotoalbum.com CnC-List@cnc-list.com
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