Insurance survey

rasbury · August 18

Our boast is a 2006 ( i think ) and it's just recently received a notice from my insurance company Ahoy I would need a survey done in the next 12 months that is certified here, there and everywhere, or, I fill out a form with some pictures and do it myself. That is just a tad odd to me...but I never got old before either. Is this common?

raybo3 · August 18

@rasbury yes I did a self survey a few years ago with my old insurance company. They will tell you what to take pictures of.

aero3113 · August 18

Yes,
I had to have an insurance survey done last season.

grouch0jr · August 18

Who do you guys get your policies through?

mbnarney · August 18

Mine is a 2001. No survey yet. Get mine through allstate.

Ian · August 19

2003 and Allstate and no survey ever

rasbury · August 19

Interesting....obviously I will do it myself but...

earl1z19 · August 19

I had Ahoy last season. Renewal time came and they told me they don't cover my manufacturer which seemed odd to me as they were currently insuring my boat.

PickleRick · August 19

2001, boat and trailer coverages. No survey as of yet. Full coverage of replacement value. Ski safe

aero3113 · August 19

I think over a certain size and under a certain year, you need to get an insurance survey every 5 years. Not sure the size or year 😂.

rasbury · August 21

earl1z19 said:

I had Ahoy last season. Renewal time came and they told me they don't cover my manufacturer which seemed odd to me as they were currently insuring my boat.

Were you trying to insure a rinker or another brand?

rasbury · August 21

aero3113 said:

I think over a certain size and under a certain year, you need to get an insurance survey every 5 years. Not sure the size or year 😂.

But they allow you to do it yourself? I was talking with my neighbor about boat expense and the insurance subject came up and he asked me why I have insurance? He has none. No liability, zip.

aero3113 · August 21

No, I had to have a professional surveyor do the inspection. He had to write a report that I submitted to the insurance company.

LaRea · August 21

rasbury said: ... he asked me why I have insurance? He has none. No liability, zip.

Tell him you buy insurance because if you have the wrong sort of boat accident, you don't want the lawsuits to strip you of everything you've ever owned.

goalie59 · August 21

That is odd. How can they assure that you are checking all the structural things that a surveyor would. I have to get one done this spring. They stated that a licensed surveyor must do the inspection out of the water.

captkevin · August 21

No insurance is pretty scary. Almost as much as self survey. Betting insurance company has there self covered if things go wrong.

rasbury · August 22

captkevin said:

No insurance is pretty scary. Almost as much as self survey. Betting insurance company has there self covered if things go wrong.

That is a good point. I will look over carefully the paperwork and the fine print. Perhaps they are loosely calling it a survey to make sure they are not insuring a total piece of junk.

rasbury · August 22

LaRea said:

rasbury said: ... he asked me why I have insurance? He has none. No liability, zip.

Tell him you buy insurance because if you have the wrong sort of boat accident, you don't want the lawsuits to strip you of everything you've ever owned.

I kind of pointed that out, not much different than driving a car...florida is a tuff state...you can't sue someone out of their home. Retirements are somewhat protected. That being said, it would be a heck of a legal mess at best and I would not want to f some family when I'm at fault. I'm insurance poor. People in Florida don't think much of auto insurance either. 75% of florida drivers are either way under insured or have none at all- florida requirements are basically a 10000 medical coverage for yourself- no liability or property damage requirement! I have under/no insured protection on my policy- its the single largest line item on my policy. I have it on the boat as well.

captkevin · August 22

My six month old car was rear ended last year by uninsured 18 year old girl driving car with expired plates. Thankfully we have uninsured motorist coverage. 13k in damage. Fun

earl1z19 · August 24

rasbury said:

earl1z19 said:

I had Ahoy last season. Renewal time came and they told me they don't cover my manufacturer which seemed odd to me as they were currently insuring my boat.

Were you trying to insure a rinker or another brand?

Was trying to renew my existing policy for my Formula

LaRea · August 24

Ras, I had to read about Florida law protecting some assets from lawsuits. It's interesting, but you're doing the right thing by keeping boat insurance.

If your uninsured neighbor causes a serious accident, he might go broke just from paying for his own legal defense (think $100k to $500k). True, the lawsuit can't take his home. But it can take his cars, personal property, business assets, and future income. Then, when he starts missing mortgage payments, the bank can foreclose. Bottom line, he could end up homeless and broke -- even in Florida.

rasbury · August 27

LaRea said:

Ras, I had to read about Florida law protecting some assets from lawsuits. It's interesting, but you're doing the right thing by keeping boat insurance.

If your uninsured neighbor causes a serious accident, he might go broke just from paying for his own legal defense (think $100k to $500k). True, the lawsuit can't take his home. But it can take his cars, personal property, business assets, and future income. Then, when he starts missing mortgage payments, the bank can foreclose. Bottom line, he could end up homeless and broke -- even in Florida.

I agree with you 100%- I was shocked. Another factoid, and it may apply to boats here in Florida, if you drive someone else's car, you are driving on the owner of the vehicles insurance. I pay out the a$$ for insurance and uninsured motorist coverage but as soon as I jump in someone else's vehicle, I'm only protected buy what the owner of the vehicle has- if they have zip then I'm wide open for a lawsuit...crazy. im going to say its the same for a boat...I'm not sure how that works for a rental car or boat....

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