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

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.

haha.. she is a c*nt anyway

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

Hi Cypress Skeeter,

First of all let me say I'm glad nobody was injured. Second, did your policy include collision coverage? Since you stated you got the best policy, you probably did. I would do some google searches on "dispute boat insurance with carrier" to find general information on how to approach this type of thing; I'm sure people get denied all the time and are talking about how to deal with such a dispute. I did some searches for you and found several law firms right away that specialize in exactly this area. Find one in your geographical location and ask for a free consultation. A serious sounding letter from a law firm may only cost you a few hundred in order to get your carrier to cough up the money. Make a few calls and find out.

Next going forward, don't give a carrier you feel burned by another cent. You'll have to find a new insurance carrier. Check out policydog.com where you can buy boat insurance online. You can get an instant quote and if you like the price, buy right there, or use that quote to shop around.

Good luck!

Chris