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Old    alan plotz (alanp)      Join Date: Apr 2001       12-12-2011, 3:38 PM Reply   
our water heater broke while on vacation and did considerable damage. water also leaked into the garage and as a result there is mold now on my boat. the adjuster states the insurance company isnt responsible for the mold on the boat. i feel otherwise. any tricks or language i can use to get the boat fixed.
Old    Mik (norcalrider)      Join Date: Jun 2002       12-12-2011, 4:35 PM Reply   
Couldn't you just clean the mold off?
Old    Neil Spencer (neilspen)      Join Date: Sep 2008       12-12-2011, 5:22 PM Reply   
The best thing is to read your policy. It will tell you what damage will be covered from the water heater leak.
Old    Darren Yearsley (ralph)      Join Date: Apr 2002       12-12-2011, 6:50 PM Reply   
Quote:
Originally Posted by norcalrider View Post
Couldn't you just clean the mold off?
Are you insane? I have never seen a greater justification for a new boat. \\\Goes home to fiddle with water tank.....
Old    alan plotz (alanp)      Join Date: Apr 2001       12-12-2011, 7:25 PM Reply   
haha darren im waaaay more inline with your line of thinking than Mik's
Old    Scott R (ScottR)      Join Date: Aug 2011       12-13-2011, 7:04 AM Reply   
As an Insurance Agent I can tell you all policies exclude mold. (almost) Mold typically takes a while to develop. How long had the water been running down? Your HO policy won't cover your cars or your boat that is inside a garage. Standard policy stuff. Mold is a really bad issue with insurance companies and typcially not covered. Sorry man....
Old    Paul (psudy)      Join Date: Dec 2003       12-13-2011, 7:41 AM Reply   
Call the agent that has your boat covered.
Old    Mik (norcalrider)      Join Date: Jun 2002       12-13-2011, 12:29 PM Reply   
I'm still confused. What are you trying to get out of this? A free detailing?
Old    alan plotz (alanp)      Join Date: Apr 2001       12-14-2011, 7:35 AM Reply   
mik if i want all new skins and a boat cover as well(that has mold all over it)
Old    Mik (norcalrider)      Join Date: Jun 2002       12-14-2011, 2:01 PM Reply   
Good luck with that... If the claim is denied know that mold can be cleaned off easily and you can take the cover to a laundromat with XL washer. That should take care of the issue for less than $100.

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