i think everbody has a Horror story about one insurance company or another!
have Progressive now on boat,suburban,and the Harley.won't go to anyone else!!
Allstate bent me over a barrel over a wreck that wasn't my fault,wouldn't go to court to fight the other people's insurance company,and told me i needed a lawyer!!!
then they tried to triple my rates and i told them to cancell the truck insurance.3 month's later when i need proof of the boat insurance i find out they had dropped the boat also.without even notifying me!!!
have had nothing but good things to say about Progressive!
my two cents is- if you are buying anything over the net you need to KNOW WHAT YOU'RE DOING!!
research it and write you're own policy.don't depend on the person selling it to you!

I had a marine specialist determine that my hull failed due to a poor previous repair in which, over time, catastrophically failed. His notes read "There are no readily visible indications of impact damage. Previous repairs appear to have been poorly completed and are failing. The hull appears to be “oil canning” from lack of internal structural support (stringers failing or are delaminated from hull). This has resulted in the fracturing now observed."

Hull is worth $6K and to put a new one on it would cost $10K. Skeeter wiped their hands clean and Progressive did as well and no glass shop will touch the hull at a reasonable cost. The guy that did my original repair has been out of business for the last 3yrs (cant go after him) hence the sale of my Yamaha HPDI 225hp.

Progressive is completely denying my claim and won't touch my hull. They state that I am fully liable for the original faulty glass repair. Thank GOD I paid cash for my boat and I don't owe a soul for anything.
About the only thing that sucks at this point is that I am not fishing any tournaments this year, and this is after my brother and I finished 2nd overall AOY in the Ignition Bass Conroe series and I believe we cashed a check in all but 1 Tourney. Freaking stinks!

EK-- take it out and plow over a stump- maybe then thier "politics" with the paperwork can state there is in fact collistion damage...

(not really being serious- i can feel your frustration, as I would be out of my mind).

I'm going through the same BS with Progressive. I have both my boat insured them them & I'm done with being treated like [censored].

Sux don't it. Flip over to Karen at State Farm when they get through with you. She is awesome!

I just finished reading all af the posts and can say that State Farm has always taken great care of my needs, but I was told a week ago that I am going to be cancelled after 10 years with them because I have had 4 claims, 3 in the last 4 years. I worked for a local dealer here in dallas for 2 years and stay in touch with those guys and have seen first hand how the local rep for progressive, i cant remember his name, has tried to deny customers of legit claims on lower unit impacts and hull damages. Most of the claims I saw come through that were progressive customers had to fight to get their claims taken care of and many were just stuck with broke equipment. Progressive is the absolute worst company I had dealings with while working in the industry. State Farm is the absolute best boat insurance you can have bar none! I am very sad and scared that I'm loosiimg my state farm coverage but i will promise I'd go back to fishing from my tube before running with progressive insurance on my boat!

Progressive denied my claim after hitting a stump and trashing my lower unit saying it was "mechanical failure" not the stump that caused the failure.

The adjuster first told the repair shop that it was impact damage but his boss (who only saw pictures)went against his decision & denied the claim. Then I rec'd two certified letters from different people at Progressive on the same day, one said it was impact damage and covered. The other letter said it was a "bearing failure" and they would not cover it. They couldn't produce any proof of the "failed bearing", they then lied and said it was a "leaky Seal". Still no proof, they ended up paying but I went ahead and filed a complaint with Texas Dept of Insurance.

There was more lies and bad stuff they tried but I wont waste your time. The Tx Dept of Insurance has an ongoing investigation for the North Texas Marine division of Progressive due to the amount of complaints.

If Progressive has denied your claim for bogus reasons. PLEASE CALL TX DEPT of INSURANCE 1-800-252-3439 and file a complaint.

im with bob now and i wont go to anywhere else

I am an insurance adjuster but do not inspect boats. Look at your policy coverage under physical damage and pay special attention to exclusions as to coverage. If you have a filed a legitimate claim with your carrier and there appears to be a problem of coverage, call the Dept. of Insurance Board. The insurance carrier is required to answer to the Board within a required amount of days. Insurance carriers do not like to respond to the Board!

MAD CAT- call over to Karen at state farm (skip parkers office in richardson) and talk to her about it. she may be able to help. you CAN switch agents.

I have had one claim with Progressive and they were quick and fair. It was a bent prop shaft and prop. Called on Friday, inspected on Monday and had a check cut on Wednesday.

I dont think you can go wrong with Bob or Karen! Bob just got my business on my Ranger and My Pontoon I choose Bob because not only did he sit and discuss my policy with me in depth he was the only one of the two whom could provide me guide insurance. So depending on your needs and very few of you are licensed guides and need guide insurance I would give either a shot. Bob seems to know everything about boat insurance which is another PLUS.

I have Progressive on all my vehicles and they have been super on all claims we have had even when repairs were twice what their estimates were.I'd have to say you better know your underwriter.

I have a claim in with Progressive right now, going on 3 weeks. It is now with the 4th supervisor. Started with John Cohagan in the Longview, TX area, sent to David Porter in Tulsa, Ok. then to a guy named Jason around OKC, OK and now to his supervisor. They have talked with Skeeter, With Richard at Tiny's in Longview and have been told the same thing, that the area on my boat that is torn off is not a manufacturing defect. There is a small hole with cracks in front of the area that tore off. And they say they can not see any impact area. Bunch of **sholes if you ask me......

OK, update on my progressive fiasco. Progressive is sending out a marine surveryor from Houston to look at my boat. They think the damage was already there before I insured it. But I spent about 3000.00 dollars putting in new carpet, seats and hyraulic steering. Why would anyone dump that much money into a boat they just bought and insured in Nov of last year? Sounds like progressive's way of telling me to bend over and take a f***ing......

As soon as you are done with them RUN!

I am!!! Believe me I am. I am going to talk to a lawyer tomorrow or monday. This is what it has come to, take your money and leave you out to dry.....

dads boat caught on fire and progressive gave him hell..so i switched to allstate and i saved 7 bucks a mth

Update: Progressive has denied my claim!!! They state that the delamination and the hole and cracks going from the hole outward are due to adhesion of the gelcoat and fiber mat. They say that Skeeter lays down gel, then mat, then gel, then and so on for about 4 to 5 layers. They got this info from a marine consultant. This is the ones they used for my claim:
Armadillo Marine Consultants
Charles and Dana LeighWilson
P.O. Box 766
Aubrey, Texas 76227
940-365-2961
Cell 940-300-3737
Fax 940-365-2970

So now, have hired a lawyer ans he said, What is it with Progressive? H ehas had to do about 10 so far on boats here in SE Oklahoma and everyone they have paid. Progressive gets a kick out of this, deny, deny, deny!!!!!

progressive did the same for me, i had to pay half the claim. Talk to bob (insurancepro) on the forum and he will tell you far more then i know. If your policy was written correctly then you would have had a check in your hand. Do yourself a favor and call bob asap. His number is on this post.

I think marine consultants are a joke... They have no clue of how a boat is manufactured. The guy were my boat is at in Longview, TX said this guy was kind of clueless.....

Duane W., Progressive denied my claim nearly 16 months ago on a Triton hull delamination claim. Said it was due to a "manufacturing defect". Then before I was really on top of the matter, they sent the same Armadillo Marine Surveyors out to inspect my hull. Charles was the one who inspected it and all he did was agree with what Progressive had already claimed. These Survey Companies are nothing more than bed partners with the insurance companies who hire them to back up their claims. My fiberglass guy (a different one than yours) told me the same thing yours said, that this guy didn't know anything about the delamination process in a high quality fiberglass hull. They don't delaminate on their own because of a manufacturing defect, there has to be a cause and effect(impact causing a breach in the hull, no matter how large or small). I have since had a second fiberglass guy look at my boat and he is scratching his head wondering why Progressive denied my claim. Long story short, still dealing with this headache and plan on hiring an attorney if needed.
Talk to Bob, he has taught me more than I ever imagined about getting the proper coverage, and probably more coverage at a cheaper price than I originally had. If I had only known then what I know now, Progressive would have paid the claim with my first phone call 16 months ago.

I have talked with Bob! And I looked at the claim online and it shows a payment made on the 23rd to the fiberglass shop and me.

Sad to hear of any problems with insurance companies paying thier claims for the money we pay them to insure our property. Hope you all get it worked out, and end up satisfied with the end result no matter what company it is.

Update!!!! Progressive paid up!!! Don't know why the change of heart, but thank god!!!!!!!!!!