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

Keep posting on the results. I have heard mixed feelings regarding Progressive.

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

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

what does bob do?

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.

i will give him a call tomorrow.. thanks alot, any help is greatly appreciated

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..

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

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!

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.

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.

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.

i still havent heard anything. I am waiting on the marine surveyor to come out and he is taking his time