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Pays to read your insurance policy #155938
03/03/2018 12:44 PM
03/03/2018 12:44 PM
Joined: Feb 2013
Posts: 81
Thunder Bay, Ont Canada
BarbandRon Offline OP
Traveler
BarbandRon  Offline OP
Traveler
Joined: Feb 2013
Posts: 81
Thunder Bay, Ont Canada
After losing our Lagoon 400 to Irma we received our insurance settlement in January. On the declaration document there was a deductible for windstorm (5 % of hull ) so we were quoted a settlement minus the deductible. When I read the Policy there was a paragraph that stated if the yacht was a constructive total loss the deductible would be waived. Long story short after a few phone calls and emails we were paid the deductible on a separate wire transfer.
READ YOUR POLICY

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Re: Pays to read your insurance policy [Re: BarbandRon] #155939
03/03/2018 01:13 PM
03/03/2018 01:13 PM
Joined: Jan 2005
Posts: 4,189
Adagio Villa, Mahoe Bay,Virgin...
gordaguy2 Offline
Traveler
gordaguy2  Offline
Traveler
Joined: Jan 2005
Posts: 4,189
Adagio Villa, Mahoe Bay,Virgin...
Same goes for homeowners and if you don't understand the clause ask that it be in simple English.


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