tcope | 2 years, 5 months, 1 week, 1 day, 22 hours, 27 minutes, 13 seconds ago.
[quote]We had to replace the engine because of a miscommunication from the company that was going to winterize the boat. Everyone thought it was done and it was not. Is this covered by insurance?
Also, the prop just hit a log and it has messed up the prop. Are these usually covered under our insurance.[/quote]Mechanical breakdown is probably not covered. Also, any loss needs to be "sudden". Sounds like the engine became damaged over the winter because it was not winterized. This would both be mechanical breakdown and it would not be "sudden".
The prop being damaged would be covered but there is a deductible on the boat policy. A $500 deductible or greater may negate any benefit from the policy. |
