[Z 202]

My flappers are inctact. In fact there appeasors to be no problems with my exhaust setup at all, though the appraiser is arguing otherwise. He says resonance reversion is a persistent issue with my setup, yet my engine demonstates none of the evidence to suggest it. He is relying on corrosion estimates from a 3rd party photo...

I'm absolutelly certain the run on due to the abrupt shut down drew the water into the cylinders. My mechnic has spoken to merc service tech, who has confirmed that this is a possible source of water ingestion via the exhaust.

[ColoradoDiablo]

Hang in there Z!!
The squeaky wheel (or prop in this case) gets the lube

Larry

[Paul F]

I posted about my flaps as a heads up to everybody else.

I would totally agree with you that the sudden shut down is the culprit. All of the evidence supports your position. Some catch phrases you may work into your next conversation with the adjuster include "Department of Insurance" and "Bad Faith Claims"

I've been in insurance for over 30 years and I see companies erring on the side of the customer. With the internet and social media, the companies don't want the instant negative publicity. I see them scouring through their policies looking for ways to cover a claim instead of deny it.

I had a recent boat claim where the client bought an older boat and abruptly stopped on it's maiden cruise and thought they hit something. The adjuster was very helpful, but it was discovered that the prior owner had been starting the engine in his driveway with no muffs for potential buyers and there was nothing left of the water pump. The engine had overheated and blown the head gasket. There was no coverage and the adjuster felt really bad about it.

My point is there are good adjusters and "claim denyers" and it seems you got the latter.

I let my young nephew drive one day assuming he would just steer. He grabbed the throttle and pulled it back hard.

I jumped up and pushed it forward before it came too far off plane as I could just see water pouring into my engine. I know I dodged a bullet.

[Z 202]

I had a second appraisal done, and it was found that the starboard exhaust flapper was missing. Seems the orignal appraiser didn't bother to look in the collector pipe. I don't think he looked in the boat. His report states he couldn't find the USCG capacity plate... <eyes rolling>

[mikeyt]

Originally Posted by Z 202

I had a second appraisal done, and it was found that the starboard exhaust flapper was missing. Seems the orignal appraiser didn't bother to look in the collector pipe. I don't think he looked in the boat. His report states he couldn't find the USCG capacity plate... <eyes rolling>

Your position is getting better all the time. Provide a copy of the appraisal to your insurer & point out the deficiencies in their report. I suspect they will revise their position after discussing things with their 'appraiser'.

[Z 202]

Well it was touch and go. They did respect the second appraiser's report, but still tried to deny it based on the fact that it was a mechanical failure which was unrelated to the impact. After a brief period of escalation, the managers directed the adjuster to pay up on the second appraisal, which includes the engine repair.

Two months of headache, but it's finally been resolved.

Thanks to MikeyT and David Buchanan of Buchanan Marine Appraisal. Top notch work.

[ShabahZ280]

Congrats, glad you finally got it worked out!

[mikeyt]

Originally Posted by Z 202

Well it was touch and go. They did respect the second appraiser's report, but still tried to deny it based on the fact that it was a mechanical failure which was unrelated to the impact. After a brief period of escalation, the managers directed the adjuster to pay up on the second appraisal, which includes the engine repair.

Two months of headache, but it's finally been resolved.

Thanks to MikeyT and David Buchanan of Buchanan Marine Appraisal. Top notch work.

Congrats! David is very well respected in the industry & any half-aware insurance claims manager here in Ontario will know of him. They should offer to pay for Buchanan's appraisal too....since their guy got it wrong.

[Z 202]

Actually, to my insurance company's credit, they did pay for the 2nd appraisal. I raised enough objections to the first; which was very unobjective, deficient in lot of the actual details, and came to a conclusion using an essay to support the analysis which had a section stating that this type of reversion should NOT be presumed in the circumstances surrounding the sequence or reported events..

So I'm out my deductible. Which is fair. I was the dingbat who ran aground..

[ColoradoDiablo]

A lesson for all of us for sure!
Thanks for the excellent updates!
Glad it worked out well for you Z 202