T&T: A nagging question Judging

[joe]

Who will be the judge and jury as to having made complete and proper
preparation?   What will be the system of review?  Who will exercise the
oversight of the review process.

Let's be realistic.
 It is always in the "eye of the beholder" to define "preparation".  

Realistically, to consider what many have suggested as to whether or not a
boat owner  "prepared the boat" is not defined by the insurance company(ies)
in any policy I have ever owned.  The process of definition is as variable
as owner knowledge(let's not start that up), boat types, designs, physical
and mechanical conditions, location, resources, storm type, etc, etc, etc.
All these factors are reality and must be considered before passing
judgment.   The insurance companies would have to  greatly complicate the
policy application and review process(read increased
operating/administrative costs) and to conduct a review of a claim to hold
"non preparing Boat owners" responsible.  Such a system would quickly lead
to wrongful claim denials, litigation and extensive payoff delay.  I have
been a party to the good and bad of the current insurance system...after
making all "proper" (you may contact me directly if needing to know what my
preparations were) preparations.  I have lost one home, one boat, and had
two other homes damage in named storms on two coasts and Inland.  All were
prepared for the storm in question.  The process of claim submissions ran
the gambit from "here is your check" (minus extensive deductible of course)
to formal litigation lasting well over a year.

Come on all, making many "words and opining" is great sport but not
productive for this topic.  Time to "stick a fork" in this topic and debate
the merits of cheap wine or rum.

Joe
"Carolyn Ann"

Currently in the Patuxent River



-----Original Message-----
From: trawlers-and-trawlering-bounces at lists.samurai.com
[mailto:trawlers-and-trawlering-bounces at lists.samurai.com] On Behalf Of
Randy Pickelmann
Sent: Saturday, September 20, 2008 7:39 AM
To: trawlers-and-trawlering at lists.samurai.com
Subject: T&T: A nagging question

I think that Jim Gano is spot on.  We sat out Hurricane "Whatever" two
summers
ago in Solomon's, MD.  We were well prepared and suffered little
inconvienence
and no loss.  I was appalled at the lack of preparation by my neighbors.  We
are from Florida and have developed sense of what it takes to get ready for
a
storm from years of practice.  I couldn't believe the number of boat owners
that did NOTHING!

When we brought our boat back to Florida we had to change
insurance companies.  Our insurance company demanded that we provide them
with
our "hurricane plan".  When we put in new pilings for our slip I had them
placed 25' apart for our 14' beam, allowing us to string the boat out safely
between the pilings.  When we left for 10 days in Maine we completely preped
the boat for a hurricane although none threatened.  In my opinion, that's
what
you should do.  If you can't do that or if you won't pay someone to do it
for
you then you shouldn't have a boat...at least in Florida ...at least in the
hurricane season.
 
Regards,
Randy Pickelmann
MORNING STAR
lying in
Clearwater, FL
www.morningstar.talkspot.com
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