67410 Members
54 Forums
544561 Topics
6806575 Posts
Max Online: 21159 @ 10/25/10 03:12 PM
|
|
|
#4123225 - 11/05/09 09:24 PM
Progressive boat insurance problems
|
Extreme Angler
Registered: 11/05/09
Posts: 1370
Loc: cypress tx
|
so i bass fish and i have a 97 Skeeter bass boat that i have owned for about a year. The day i bought the boat i called Progressive to get a policy with them, i cut no corners and got the best insurance available just in case. Well two weeks ago i hit a log that was floating horizontally in lake Conroe. It was 6:30 in the morning and i was running the north side of the lake pre-fishing for the Sunday morning tournament. The motor jumped up and i knew something was wrong so i put the boat on the trailer and realized that my transom had stress cracks and i had alot of fiberglass missing off the bottom of the boat so i took it home. Monday morning 2 weeks ago i took it no North West Fiberglass on 2920 in tomball. Insurance has been trying for the last 2 weeks to not claim it, their newest excuse is that the bottom of my boat is delamination caused from storing my boat on the trailer and that it is a common skeeter problem that falls in the maintenance category. So i called skeeter boats and ended up talking to the vp of skeeter boats and has told me that he has never heard of such thing. So now the insurance company is sending over a marine surveyor to investigate. They are also sayin that the transom had moisture in it so that is not covered, but the boat shop owner said that the moisture was from the impact. Does anyone have any advice for me
Edited by cypress skeeter (11/05/09 09:24 PM)
|
|
Top
|
|
|
|
|
#4124209 - 11/06/09 09:33 AM
Re: Progressive boat insurance problems
[Re: Cypress Legend]
|
Outdoorsman
Registered: 01/15/09
Posts: 246
|
Keep posting on the results. I have heard mixed feelings regarding Progressive.
|
|
Top
|
|
|
|
|
#4126293 - 11/06/09 07:08 PM
Re: Progressive boat insurance problems
[Re: thedeuce]
|
Extreme Angler
Registered: 11/05/09
Posts: 1370
Loc: cypress tx
|
well if anyone has any advice for me i am all ears. this is the first time i have ever had a claim on a boat
|
|
Top
|
|
|
|
|
#4126376 - 11/06/09 07:38 PM
Re: Progressive boat insurance problems
[Re: Cypress Legend]
|
TFF Team Angler
Registered: 02/15/09
Posts: 4844
Loc: Tx
|
Cypress, not sure if he can help you but he does deal with progressive. Bob Luellen Worldwide Marine Underwriters 800-339-1235 bob@worldwidemarineins.com http://www.worldwidemarineins.com
|
|
Top
|
|
|
|
|
#4126449 - 11/06/09 08:04 PM
Re: Progressive boat insurance problems
[Re: Bennie]
|
Member of the 7K club
Registered: 08/14/07
Posts: 7135
Loc: Chickenmans poop list
|
Cypress, not sure if he can help you but he does deal with progressive. Bob Luellen Worldwide Marine Underwriters 800-339-1235 bob@worldwidemarineins.com http://www.worldwidemarineins.com 
|
|
Top
|
|
|
|
|
#4126489 - 11/06/09 08:19 PM
Re: Progressive boat insurance problems
[Re: Tom Groves]
|
Extreme Angler
Registered: 11/05/09
Posts: 1370
Loc: cypress tx
|
|
|
Top
|
|
|
|
|
#4126519 - 11/06/09 08:31 PM
Re: Progressive boat insurance problems
[Re: Cypress Legend]
|
TFF Team Angler
Registered: 02/15/09
Posts: 4844
Loc: Tx
|
He is an Underwriter. I went through Bob for my Insurance. He is on the TFF as insurancepro. Like I mentioned above, He may not be able to help you but it is worth a try. He is very knowledgeable in the boating insurance. If he can help you he will.
|
|
Top
|
|
|
|
|
#4126568 - 11/06/09 08:54 PM
Re: Progressive boat insurance problems
[Re: Bennie]
|
Extreme Angler
Registered: 11/05/09
Posts: 1370
Loc: cypress tx
|
i will give him a call tomorrow.. thanks alot, any help is greatly appreciated
|
|
Top
|
|
|
|
|
#4126838 - 11/06/09 10:20 PM
Re: Progressive boat insurance problems
[Re: Cypress Legend]
|
TFF Team Angler
Registered: 02/15/09
Posts: 4844
Loc: Tx
|
Not sure, if his office is open on Saturdays. But worth a try..
i hope everything gets worked out in your favor and to your satisfaction..
|
|
Top
|
|
|
|
|
#4127165 - 11/07/09 05:31 AM
Re: Progressive boat insurance problems
[Re: Bennie]
|
Outdoorsman
Registered: 01/23/09
Posts: 95
|
Cypress, I try and fish on Saturdays. I will help in any way I can. I sent you a pm with my cell number. Please give me a call and we will try and get this resolved. Thanks Bob Luellen
|
|
Top
|
|
|
|
|
#4127458 - 11/07/09 08:50 AM
Re: Progressive boat insurance problems
[Re: Insurancepro]
|
Outdoorsman
Registered: 04/10/09
Posts: 20
Loc: Corinth, TX
|
Cypress, sounds all too familiar dealing with Progressive. Check out my post. They are trying to use the term "delamination" in their favor against you like they have done to me, except in my case according to Progressive, my boat delaminated due to a manufacturing defect. The marine surveyor is only going to agree with what the claims adjuster has already determined, that is that your boat has delaminated and it is not covered under warranty. Unfortunately, these insurance adjusters are all trained alike to look for potential reasons to deny the claim, and in our case that is delamination, no matter what the cause. Do some research on this subject and you will learn that it is virtually impossible for newer, top brand boats to delaminate without some sort of damage or impact from an external force. The quality control standards are just too strict, and your person from Skeeter will verify this info. Sounds like you will have to raise a stink with Progressive and hopefully they will reconsider their decision, but because they can use the term delamination in their favor, no matter what the cause, you may be in for a long drawn out process in getting this claim resolved. Good luck!
|
|
Top
|
|
|
|
|
#4128935 - 11/07/09 09:55 PM
Re: Progressive boat insurance problems
[Re: Triton78565]
|
Extreme Angler
Registered: 08/07/08
Posts: 1725
Loc: Texas
|
In your dealings with Progressive, find some way to use the words, "bad faith" on their part in your conversation. That will let them know you've gotten legal advice and that they are becomming the target instead of you. If you have to sue them and a judge or jury finds that they acted in bad faith in handling your claim, they are liable for treble damages. I'm not an attorney, but I have a very close friend who is an adjuster.
Edited by Capt'n Wings (11/07/09 09:56 PM)
_________________________
"Faith requires one to elevate the practice of not thinking to a virtue," Mark Twain
|
|
Top
|
|
|
|
|
#4131629 - 11/08/09 09:11 PM
Re: Progressive boat insurance problems
[Re: Capt'n Wings]
|
Extreme Angler
Registered: 11/05/09
Posts: 1370
Loc: cypress tx
|
they are telling me that my boat delaminated because i store it on the trailer and that makes the stringers flex on a skeeter and that all skeeters do it.. i honestly laughed when they said that. I called bob and he is going to help me, if i would have known then i would have set up my insurance through him. I just dont know what to do next, and if i keep staying at home every weekend i might have to do some chores around the house.
|
|
Top
|
|
|
|
|
#4132265 - 11/08/09 11:24 PM
Re: Progressive boat insurance problems
[Re: Cypress Legend]
|
TFF Team Angler
Registered: 02/15/09
Posts: 4844
Loc: Tx
|
That's "great" that Bob is willing to help you. Bob is a standup guy  . As long as I have a boat. Bob and his staff will always have my business. Before, I purchased my boat insurance. I called and spoke with Bob several times before taking out a policy.
|
|
Top
|
|
|
|
|
#4136220 - 11/10/09 06:53 AM
Re: Progressive boat insurance problems
[Re: Bennie]
|
Extreme Angler
Registered: 11/05/09
Posts: 1370
Loc: cypress tx
|
i still havent heard anything. I am waiting on the marine surveyor to come out and he is taking his time
|
|
Top
|
|
|
|
|
#4136465 - 11/10/09 08:22 AM
Re: Progressive boat insurance problems
[Re: Cypress Legend]
|
TFF Celebrity
Registered: 01/15/07
Posts: 9164
Loc: Sanger,Texas
|
so i bass fish and i have a 97 Skeeter bass boat that i have owned for about a year. The day i bought the boat i called Progressive to get a policy with them, i cut no corners and got the best insurance available just in case. Well two weeks ago i hit a log that was floating horizontally in lake Conroe. It was 6:30 in the morning and i was running the north side of the lake pre-fishing for the Sunday morning tournament. The motor jumped up and i knew something was wrong so i put the boat on the trailer and realized that my transom had stress cracks and i had alot of fiberglass missing off the bottom of the boat so i took it home. Monday morning 2 weeks ago i took it no North West Fiberglass on 2920 in tomball. Insurance has been trying for the last 2 weeks to not claim it, their newest excuse is that the bottom of my boat is delamination caused from storing my boat on the trailer and that it is a common skeeter problem that falls in the maintenance category. So i called skeeter boats and ended up talking to the vp of skeeter boats and has told me that he has never heard of such thing. So now the insurance company is sending over a marine surveyor to investigate. They are also sayin that the transom had moisture in it so that is not covered, but the boat shop owner said that the moisture was from the impact. Does anyone have any advice for me When you get this solved I would switch to Karen at State Farm. Best Insurance anywhere.
_________________________
Bobby Barnett Big Country Detail Service.Call/Text Matt Barnett@972-999-7088 Best in DFW!!  Spankys Boat Repair Call David@817-475-4539  Call Matthew@972-754-1697
|
|
Top
|
|
|
|
|
#4137415 - 11/10/09 12:05 PM
Re: Progressive boat insurance problems
[Re: Bobcat1]
|
TFF Team Angler
Registered: 02/15/09
Posts: 4844
Loc: Tx
|
Bobcat1, I will disagree with you on this.. Bob is not this guys agent and Bob is trying to help him out.
|
|
Top
|
|
|
|
|
#4137549 - 11/10/09 12:48 PM
Re: Progressive boat insurance problems
[Re: Bennie]
|
TFF Celebrity
Registered: 01/15/07
Posts: 9164
Loc: Sanger,Texas
|
Never thought he was. Just thought he may want a different carrier and agent, that'a all.
_________________________
Bobby Barnett Big Country Detail Service.Call/Text Matt Barnett@972-999-7088 Best in DFW!! Spankys Boat Repair Call David@817-475-4539 Call Matthew@972-754-1697
|
|
Top
|
|
|
|
|
#4139049 - 11/10/09 07:30 PM
Re: Progressive boat insurance problems
[Re: Bobcat1]
|
Extreme Angler
Registered: 11/05/09
Posts: 1370
Loc: cypress tx
|
OK. Update here....
Today i had a new adjuster call me and told me that they were meeting with the marine surveyor and 2 specialist from different ends of texas and invited me to meet at the boat shop at 1. So i met them and the old adjuster had a complete change of attitude. They were being overly nice and asking how my day was and how sorry they were that all of this was happening and yatta yatta, But since the beginning of the claim they have honestly treated me like [censored] and that they didnt care. The Marine Surveyor said the bottom of the boat is damaged from impact and he said the transom was weak to begin with so it wont be replaced by insurance. Insurance said they will get back with me tomorrow (wednesday) they also said that they might just total the hull and send me on my way with the trailer and motor.
I realized that their total Change of attitude was because of bob. That guy has showed me so much about boat insurance and had really helped me. IF YOU DID NOT TALK TO A MARINE SPECIALIST FOR YOU INSURANCE CALL BOB. If not there is probably something wrong or missing with your policy. DONT DO WHAT I DID AND WAIT UNTIL ITS TOO LATE!!!!!!
|
|
Top
|
|
|
|
|
#4139198 - 11/10/09 08:13 PM
Re: Progressive boat insurance problems
[Re: Cypress Legend]
|
TFF Guru
Registered: 07/27/07
Posts: 16546
Loc: Plano TX
|
Cypress,
"delamination caused from storing my boat on the trailer "
I bet that raised your eyebrows.
I am glad Bob was able to help you out. I had Bob underwrite my policy a couple of months ago and your post is a great example of having proper insurance and a great person to back you up.
Boat insurance with a pro is a must.
Hope you get back fishing soon.
_________________________
|
|
Top
|
|
|
|
|
#4139701 - 11/10/09 11:01 PM
Re: Progressive boat insurance problems
[Re: Trickster]
|
TFF Team Angler
Registered: 02/15/09
Posts: 4844
Loc: Tx
|
Cypress,
"delamination caused from storing my boat on the trailer "
I bet that raised your eyebrows.
I am glad Bob was able to help you out. I had Bob underwrite my policy a couple of months ago and your post is a great example of having proper insurance and a great person to back you up.
Boat insurance with a pro is a must.
Hope you get back fishing soon.
+10000 This is "great" that Bob took time out to help someone who did not take out a policy with him. I do not know of any other Agent that will do that.
|
|
Top
|
|
|
|
|
#4142869 - 11/11/09 08:36 PM
Re: Progressive boat insurance problems
[Re: Bennie]
|
Extreme Angler
Registered: 11/05/09
Posts: 1370
Loc: cypress tx
|
they are fixing the bottom of the boat and i am paying out of pocket for the transom
|
|
Top
|
|
|
|
|
#4162704 - 11/17/09 08:10 PM
Re: Progressive boat insurance problems
[Re: Cypress Legend]
|
Outdoorsman
Registered: 10/28/09
Posts: 127
Loc: Killeen
|
Progressive is terrible, they denied a claim on my boat while I was in Iraq. Cost me over three grand. If I were to ever run into the girl from the comercials in a dark alley she isn't walking out.
|
|
Top
|
|
|
|
|
#4164583 - 11/18/09 12:29 PM
Re: Progressive boat insurance problems
[Re: RMFT]
|
Pro Angler
Registered: 06/19/09
Posts: 902
Loc: Seagoville, Tx
|
Watch out flo RMFT is gonna take you out!!! I'm having a progressive problem rite now myself but I've got some good guys on my side so hopefully we can get them to cover my power head. When I get off work I'll tell more about the situation and see what advice yall have to offer.
|
|
Top
|
|
|
|
|
#4166138 - 11/18/09 06:35 PM
Re: Progressive boat insurance problems
[Re: JoSkeeter]
|
Extreme Angler
Registered: 11/05/09
Posts: 1370
Loc: cypress tx
|
haha.. she is a c*nt anyway
|
|
Top
|
|
|
|
|
Previous Topic
Index