Fixing the Damage & Lessons Learned...
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- Опубліковано 28 вер 2023
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Our summer "ends" on a bit of a frustrating note as our new sailing catamaran gets hauled out for repairs but we take it as a learning experience and on the plus side we finally found something we have spent YEARS hunting for.
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Thanks so much for all the positive comments! Just a few quick clarifications:
-We do expect to be fully reimbursed for the repair (minus the $6,400 deductible) by our cargo/transit insurance company. If we do not we will certainly let you all know.
-Ultimately it probably is on the shipping company or their insurance or another third party for the damage however, in order to get payment for the deposit from our insurance company they required us to sign a subrogation form meaning we relinquish our rights and give them to our insurer to pursue the matter on our behalf.
-We think it is crazy that we owe a $6,400 deductible for something that happened before we even touched our boat especially when there was an option to sign up for a "Deductible Guarantee" program offered by the shipping company that was not presented to us. This is in addition to $4,000 airbnb because we could not stay on the boat in the yard. Insurance refused to cover this expense.
Nothing but a racket Sierra. Hope for it to all work out in the end for both of you.
To put it bluntly, insurance companies suck! They take your premiums and then when it’s time to pay out it’s a major hassle! Glad you were able to get the boat fixed.
As a retired attorney I can tell you that your situation is not at all unusual. If you look around at insurance companies, they and the financial institutions have the swankiest corporate offices in most cities. Whose money has financed these fancy digs, but their policy holders. So either the premiums and deductibles are too high, or the written coverages and actual payouts too low, or both. I did not specialize in the field, but I can say with some assurance that insurance companies are in business to make money and pay the smallest amount they can legally get away with on claims. They count on the fact that most policy holders don't read their policies, even the summary declaration page, and have no experience in dealing with claims. Without state laws and insurance regulators, the policies and payouts would be even more egregious and harmful to the innocent consumer. You are not coming out whole (given your deductible and housing expenses), but then had you been more properly informed, you may have taken the risk anyway in light of the increase in premium to have a lower deductible and housing coverage. I agree you should have had the option upfront.
Can we know the name of this insurer???
@@okiokdaigle The settlement probably included a "non-disclosure agreement" prohibiting naming.
The shipping company should be required to foot the bill for shipping damage. At the very least, cover the insurance deductible. 🤦♂️
Congratulations on finding one of the elusive glass balls.🔮
Thank you for sharing.
You have to pay a separate ins for damage during shipping to the shipping company or its all down to you IE if the ship catches fire and you do not have shipping ins you will get ZERO
Don't take ownership till the boat is deveverd to you on your terms. FOB your marina.
@marccohen5477 Thanks, I didn't know what FOB meant. Learn something new every day.
Agreed, it comes down to integrity, ethics, morals. When a company is responsible, they should fix it, plain and simple. If they don’t, their reputation will ultimately be damaged.
It clearly states that its the property's owner who is responsible to insure the goods while on the ship ! If you don't IE when the container ship grounded in the Suez canal if its not insured and you want your goods it will cost you 10's of thousands to get your goods or just swallow hard and let them go its all very clear in the terms and conditions of anything being shipped at sea.
@@marc_aussie
this must be an American style insurance sytem. In Scandinavia the insurer would pay the repair yard as soon as the surveyor has given hi/her opinion on the damage and an approximate cost. Poor guys across the pond! You should get some boating organisations together and target the insurance companies to get their shit together and not try and hold off the repairs by not releasing the funds.
Love your channel and cheer on you.
Quick note: Been watching you guys for years, and I've loved watching you grow. For no particular reason this video is one of my favourites -- not the most entertaining by far, but there's something very personal about it, and I can't help but admire you two. Just wanted to say.
Contact the insurance commissioner of the state insurance was issued. Insurance companies will fight you on claims. I’m not sure how boating insurance works. But educating yourself on your policy is a plus. The shipping company should cover everything as it was them that did the damage. The insurance commissioner over looks all insurance companies in their state, and they maybe able to help recoup more of your loss. Good luck. Thanks for sharing your experience. Love the videos
i own a trucking company--if there is any shipping damage we pay--we have insurance for any major loss and they are good about paying it--we do not screw around paying for the damage and we train drivers not to accept any damage done while loading or if the receiver damages the freight while unloading--it can be a pain but its part of the process
Like they always say, life can get messy when you least expect it. You two are Troopers, and I love how you explained everything. May the sun shine brighter in your future!
This is a massively important video! Everyone should be aware of the pitfalls of buying a new yacht, and how to protect their investment. The 'Lessons Learnt' should be watched by everyone. Even if the cost of repairs and your up-front costs are reimbursed, people should be aware that they made to spend many weeks in alternative accommodation, which s not covered.
Thank you
Thank YOU for watching and for commenting:) we are glad you helpful!
Insurance companies give you an umbrella when the weather is nice and take it away when it rains. Hello depuis la France !! Merci pour le partage d'expérience !!
Ah guys! The joys of waiting on / working with “marine professionals” rather than being able to do the work yourself…. Not to worry; boat looks great and it’s nice to have an update video from you👍
Some insurace companies will not pay you in full until you get a lawyer. Then, they pay promptly to avoid legal fees.
Insurance companies are such a pain. It seems once an attorney gets involved, the insurance company changes the way their attitude and responses.
Something I do not understand is that you should have taken full ownership of the boat only after Seawind completed the commissioning. This means the shipping should have been under Seawind responsibility and Seawind should have delivered to you a spotless unit with any damage fixed by them before selling away.
Unless the boat is "sailed away" from the factory, Seawind doesn't do the commissioning, the buyer's dealer does. Seawind sells the boat to a dealer, who subsequently transfers it to the buyer, with the transfer happening when the boat leaves the factory in Vietnam. The dealer/buyer arranges for the transportation/shipping of the boat from SW's factory to the destination.
@davidgravlin6518 then this should be the dealer's responsibility, and you shouldn't accept delivery until all repairs are done.
@@Alsinsin A judge would not find non-acceptance of delivery of a yacht due to damages that do not effect the functioning and operation of the yacht to be reasonable. So if not accepted, the manufacturer could sue the original purchaser for failure to comply with the purchase contract, so original purchaser would be forced to accept a damaged boat or the boat would be sold to another, and any shortfall in the resale would have to be covered by the original purchaser.
@@UUBrahman interesting...
@@Alsinsinlooks like there is no dealer this is a wholesale purchase direct from the manufacturer. Now you can see what there dealer makes a marign
Greetings from South Africa,love your boat,your videos and you guys.
Had Razzle Dazzle in the same spot on the same foam blocks 12mths before you. Bridgeport stuck to their quotes despite scheduling challenges and were very flexible on getting stuff done. Recommended.
Not surprised about the insurance problems! ☹️ Hope it all works out satisfactorily!
I found if the threat of an attorney is given the insurance companies changed their attitudes really quick so maybe just a threat of getting an attorney.
Passed you guys today at the Annapolis Boat Show in a tent near Compromise Street right after they open for the day.
Seawind HAS to have some liability, at least they should NEVER allow anyone to use that shipping company. This is crazy.
Why? Once it leaves the factory, be it with the owner, delivery skipper or on a ship, Seawind aren’t responsible for what happens. This is 100% on the shipping company.
If not the manufacturer then the dealer needs to correct this. What if your new Toyota was damaged during shipment? Is it reasonable for you, as the customer, to accept delivery and then fight with the shipping company? No.
I bought a new C&C Landfall 35 in 1984. The mast was lost intrasit. I dealer had to make good on having a new one build.
@@stan4d1969Again, it depends on the sale contract but once it leaves the dealer’s forecourt (as in the case of a car), if you organised the delivery method then you’re responsible for the vehicle in transit. That’s the whole point of transit insurance.
The person / parties responsible for shipping will be the contact for the shipper so if it was the buyer that organised it, there’s not a lot the dealer can do.
In saying all that, I am surprised the shipper has a deductible on something they absolutely caused. We had to have similar insurance when we shipped all our goods to the Carib and when things went missing, it was on us to deal with the insurance.
Ownership of the boat transfers to the dealer or the buyer when it leaves their factory. The commissioning at the destination is done by the dealer, not Seawind.
It is obvious now that you need a substantial amount of $ for the yearly upkeep of a million $ catamaran! That includes unexpected expenses such as shipping damages.
Congratulations on finding the glass ball after all these years, you should keep looking for another one 😊
I'm glad you've finally installed the water maker. Will there be hot showers available too😀
OMG your heart must have sank to your knees when you saw that damage on your brand new extremly expensive boat! So sorry to hear .....
Japanese glass floats on the east coast? Wow, must be a miracle of ocean currents. And perhaps a trip through the Panama Canal.
You two are too nice. I would have named this insurance company. I would definitely like to know what company it is, so no one else has to go through what y’all had to. Love you videos! If I was 30 years younger and starting life again with my wife I would have definitely tried the sailing life.
I commend you guys for going thru this painful process of what you have gone thru. Not really wanting to discourage people but to show reality that it's not always smooth sailing living that lifestyle. I admire your strong willingness to carry on and to get thru this knowing that better times are coming. Take care youngins.
Billy is so generous, that glass orb is really cool. and looks so good, I almost melted when he started to peel that wet suit off. I hope you get some relief on that deductible from the shipping company. Let us know.
I think the sponsor pro Mo has been your best production yet 😊. Great to see y'all out catching some surf with 70's background tunes 😎. Thanks again for inviting us to sail with you.
Good perspective you two. Smooth sailing and awesome adventures.
I think I would find out if somebody is an attorney and they can write some letters demanding payment. It’s amazing what happens when you get a letter from an attorney as compared to just a little old you and me.
Congrats on finding one! Being from Rhode island I still haven't found a glass float and I'm 32 lol
Great Advice.. Love you guys. Looking forward to hopefully seeing you next Thursday in Annapolis.
Your pup is so happy. Life is good.
What a major pain in the uh huh. You guys are handling it with way more finesse than most could. Great job on your patience. Good luck to you guys.
Sorry you have to go through that. When you purchase anything new, it shouldn’t be damaged.
And if it is, it should be corrected…………quickly ! It shouldn’t be that difficult for you to get it done. It should be difficult for who is responsible for the damage.
You guys need to post more often
Great video guys....it's both great content and a Public Service Msg for boaters receiving or shipping their boats. It's always nice to see good outcomes for such a hard working couple. Enjoy the boat shows.
Thank U 4 sharing your experience and tips. I'm so sorry this happened 2 your boat! Safe travels ❤
No doubt, the information is valuable! Thanks for sharing.
Yaaaay on finding the orb 🎉
Thanks guys for the update, hopefully you can get back into your routine and voyage, look forward to every episode as we live what you do, how you do it
hey billy! glad to see you guys doing well and continue doing what you love.
A really good story well told. Thank you.
Good luck!!❤
Been watching for quite a while, finally subscribed today.. I started working in a fiberglass boat shop when I was 16, now 66. You guys need to start reaching out to your subscribers and fan base.. If that was the only fiberglass damage y'all had, the bill should have been only $1200-$1600.. I don't know what y'all actually paid, but it sounds like you were severely taken advantage of, because (based only on what you showed us in this episode) it was absolutely not a major job at all. Best of luck, stay safe, enjoy.
Captain you have to hawk.Makeing sure everything fits properly on the new one one No loose stuff!!
OMgosh please don’t apologize for sharing such informative, we appreciate the insight.
So good to know those repairs are done and great move (although expensive) to repaint the anti-foul. Give that wonderful pup of yours and pat and a hug from me please. :)
Ok the boat show is over and we are still waiting for More videos! It's ben over three weeks! I have seen some videos on your boat from other boat channels that have posted there videos at the Annapolis boat show. It would be nice to get a video from ya'll.
Great video guys, some great info and tips to benefit other boat owner. Top job 👍
Have watched you guys for several years. My take away from your transitions through several boats and all the DIY/Professional repairs is the it really doesn’t matter if you have a 40 year old boat or a four month old boat. You are going to pay big bucks to operate and maintain it! I have always thought of living on a boat or RV full time but have come to realize its all relative, and not much different from living in/on land, in a house with fresh water, sewer, stable electricity, access to food, repair services, etc,etc. Although maybe not as cool or memorable which is, I guess, the whole point. Keep at it!
Glad you got the boat repaired. And good move on the fresh bottom paint while having the boat on the hard.
Generally, if you go through a broker and they fail to correctly insure you then they are at fault and you can sue them. Still, so glad you got it fixed.
I have had the exact same problem while moving my furniture overseas, insurance is a product where you are dammed if you buy it and dammed if you don’t.
This world deserves more people like You, thanks for the ethics lesson!
Sorry you guys had to go through so much crap on a new boat. I just got through looking at my insurance for my boat just to make sure I don’t have any issues but all looks good. But who knows when I actually need to depend on my insurance. Only time will tell. Hopefully all is well with you guys and that you get back to sailing soon. Good luck and much love.
Wow! What a mess. Glad you got it all taken care of.
When purchasing any insurance for coverage of this size, have a lawyer go over it and through it to make sure you understand it and find out if there is anything else you need to do and if you are okay with say, a $6000.00 US deductible. He will also be able to tell if you have to pay upfront or at the end of a repair, and how long they have to pay (especially if it falls off the shipping container.
Marine insurance is a different animal.. rooted in tradition. Very doubtful that most attorneys would have any knowledge about the ins & out. Find a marine insurance specialist.
Nice boat! Sorry that happened. About to be Sweet & Ready to Roll.
Sorry you guys had to go through that! I hope it all ended ok? You two are the real deal!
Thanks for watching! The works almost done, still waiting on payment 😵💫🤞🏼🤞🏼
Thanks for the information
They call it the squeaky wheel but all it really is is getting people to do what they should be doing. You are the only people in this whole process who are in 100%.
This is success a huge stresser you handled it well this was an excellent opportunity that you shared with us...
Thank you. That was very helpful information.
Glad it was helpful!
Thanks for watching!
Thank you for sharing your frustrations, it's very, very helpful for us future boat owners. Wish I could have made it to the boat show!
Good luck with the boatyard you chose. You are going to need it!
So far everyone’s taken good care of the boat and seems to be working hard 👍🙃
Informative and thanks !
Such great info for everyone to learn. Thank you.
It’s so surprising to me(but in reality, I guess I shouldn’t be), that when you’ve already paid a fair bit for shipping, neither the shipper, nor the transport companies, take any responsibility for damaging your boat. I guess there’s no incentive for doing a good job, if there’s zero detrimental repercussions. Sad world. Nice that it’s all fixed, and that you were allowed to work while in the boat yard.
I would have thought the onus and claim was totally on the shipper to fork out the Full amount of the repair work !
As per usual Insurance companies will do there utmost to avoid liability for bloody anything-makes me so mad!
Sorry about your boat insurance problems... looking forward to seeing you guys back sailing South soon
Sorry.. That happened....BUT NOW YOUR MOVING FORWARD..Have Fun...Fair winds..For Both of You.
Great video keep them coming
We Love, Love, Love your show!!!!!😎😎😎😎
You guys are the wonder couple 😊 is there anything you can't do???
I respect both of you so much Billy knows a lot and he's very smart and his wife is very beautiful I love Jenni I love the way you treat her I do have other questions but I'm not going to do that now but I think you both are very cool and I want to watch you every week your boat is amazing
This is such a shame. It is such a nice boat. This was really helpful info.
Great content, very helpful
Thanks for explaining how the insurance claim process is going. You know you can't say you have a good insurance company until you have a claim and they come through for you. I would have thought they would send an ajuster to check out the damage as soon as you filed the claim and then authorize getting an estimate. You did everything you should have, especially advising of the damage on Day One.
Insurance. Peace of mind... until it's not. We wish you well & trust all will be resolved as best can be. Thank you for sharing....your experiences, your impressions, your (re)actions. We all benefit 💙. Jetty is aging beautifully....that silver face glows. Take care you three.
Great artical on insurance tips, thanks
The more I see from Seawind, it seems that they might be a manufacturer to avoid. Window stays that don’t hold up the window that they’re supposed to holding open (bad engineering) to not ensuring the boat makes it to the destination undamaged.Then on the new Ruby Rose 2, they had a halyard that was twisted so badly that it was unusable to my novice understanding of sail rigging.
So that's what it's like to go surfing! Wow. That is one of my shoulda's. Thanks....
I can not imagine the frustration you have experienced. Thanks for the heads up and warnings. I hope I never need to deal with an insurance company. It is better to have good insurance than none. Insurance is there to cover expenses that you can not afford or do not willing to pay. looking forward to more sailing.
Awesome video guys! That really stinks that y'all had to pay anything to get it fixed. Glad all is working out! See y'all next time.
Great episode guys!!!
Ya, it seems marine insurance is really always full of all kinds if conditions. So read carefully. In a lot if circumstances your not covered. I found a clause that said an out of date fire eqtinguisher would void the policy. We have 6 on board. Go figure.
go sailing on the beautiful outrigger. I love that boat.
Great advise!! I was hoping to see you in Annapolis for the sailing show but will miss you by a day. If you are there Thur or Friday love to say hi. Bill from Boston. Enjoyed your videos from my neck of the woods in Mattapoisett.
Anyone along the Gulf Coast of the US could have told you that the insurance process was going to be a nightmare. That's why it's so ridiculous when idiots say "oh they have insurance". Insurance will try to mess you around every which way they can. Hope y'all get everything straight and you are made whole fairly.
Keep up the great work and calm seas..
You should have called me. I have a duplex 1 hour from Bridgeport! Love your videos. Stay well
Too bad I did not know you guys were in Bridgeport. I live 20 minutes from that boat yard and would have been happy to have bought you a dinner.
One of the reality’s of boating… insurance and insurance sword fights. Excellent Vid You’s guys! Glad that is over for you… an expensive education but necessary! 👍😎👍
Very educational episode, thanks. Unbelievable!
Hi Billy and Sierra.
What a bunch of BS!!! Insurance is a pain in the butt. But you have got to have it. Love you guys to pieces! Fairwind and safe travels Lots of love from LIZ in California.🤟🏻⛵️💜😎🐬🇺🇸
Sorry to see you guys struggle. I’ve missed your weekly video but now know why
Do you understand now why insurance companies are so rich? Your video is very instructive. Hope it will help a lot of people. Thank you😊!
I wondered where you guys have been. I can't seem to find the day of the week when you guys actually post a video. Think that they have been on different days of the week or weekend. I'm confused . ❤ But I do love you guys and your show. 😊
Ok,I understand your frustration; but.....
Insurance company's main job is to keep the collected funds for thier shareholders.
They do this by investing premiums
The longer they can avoid, by any means, paying claims, the more return on investments.
Your claim **may** only be $xx; but imagine the interest on several or hundreds of claims in the same time period! That could amount to really big bux.
That is why so many cruisers simply "self insure"😂
I realize you had some sort of broker due to the international purchase; but "caveat emptor" still and always applies.
Here's hoping it all works out for you😊
FW&FS
These are good questions to ask and get answers from the insurance company before signing on the dotted line .
Looking for the pumpkin ones on the island now!
hope you didn't get hit with hidden charges at Bridgeport, they use to be DIY but now I would not go anywhere near that dump......next time go to Norwalk Cove a class operation.....se you down the coast
This was important information and you guys did great. I 10 years or so when the munchkins force you guys into a 1600 remember this episode.