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Old 12 November 2012, 13:08   #1
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Help Please - Lost Motor

Hi all,

My O/B was being serviced for the first time in Monmouth County, NJ. I just got a call from the shop that the warehouse, and all the contents were completely destroyed/washed away as a result of Hurricane Sandy. He told me that his insurance company said that the owners' insurance will cover the lose. My boat and motor are not insured.

Where does that leave me?

It is a brand new, 15HP Honda. it was in the shop for 20 hour servicing, and winterizing.

I'm sick to my stomach
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Old 12 November 2012, 13:54   #2
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He called me back and said that it isn't covered under insurance, because it is an act of God. He also said that he doesn't own the property, the township does. To which I said, but you pay rent.

he said he will try to include the motor under his claim.

I feel selfish being so concerned about something so materialistic. but I don't have much money, and this motor was a really big purchase for me, and meant to spend some quality time with my young daughter.

I have a bad feeling I'm out this money. And I'm still going to be paying it off for the next 3 years.
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Old 12 November 2012, 14:03   #3
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I'am sure if you run a business you would have insurance to cover customers property whilst in your pocesion,(assuming its booked in as a proper job etc)Lots of work shops are rented , don't know about the act of gods ploy, but most ins company's make you fight for a successfull claim.
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Old 12 November 2012, 14:04   #4
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really sorry to hear that BB and I'd guess that advice from this side of the pond may not be relevant on your side. If it was me I'd be down at the shop with my camera taking plenty of pic's and seeing if the shop, warehouse and contents really are destroyed/washed away. Good luck with it.
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Old 12 November 2012, 14:12   #5
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Really sorry to hear that mate I hope it works out in your favour.

As for the act of God ploy... they new it was coming
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Old 12 November 2012, 14:13   #6
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Quote:
Originally Posted by TRevor Lawson View Post
I'am sure if you run a business you would have insurance to cover customers property whilst in your pocesion,(assuming its booked in as a proper job etc)Lots of work shops are rented , don't know about the act of gods ploy, but most ins company's make you fight for a successfull claim.
i would have to agree with you. But I'm not sure what steps to take. I don't have the money to hire a lawyer. And besides my auto and home, I don't have an insurance company to work with me on this.

How would you pursue it?
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Old 12 November 2012, 14:20   #7
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can you not do small claim like here uk ?
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Old 12 November 2012, 14:21   #8
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can you not do small claim like here uk ?
not sure. Would I be able to do that without insurance?
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Old 12 November 2012, 14:23   #9
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BB did you purchase the engine from the people who serviced it ? if so stop your payments and put the money to one side until you get some sound legal advice .
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Old 12 November 2012, 14:30   #10
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really sorry to hear that BB and I'd guess that advice from this side of the pond may not be relevant on your side. If it was me I'd be down at the shop with my camera taking plenty of pic's and seeing if the shop, warehouse and contents really are destroyed/washed away. Good luck with it.
Yeah...I'd say they are all gone. Plus, that area is still closed off. The guy said that only the concrete foundation is there. Everything else was dragged out to sea. Still, can't the insurance companies or other agencies retrieve all the stuff from the ocean?







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