[Rhodes22-list] Outboard Insurance

[Ric Stott]

Last spring, at launch, I lost my 8HP Yamaha when the top of the GB motor mount (2” laminated plywood) broke off within a half boat length of the ramp.
Since the motor was cabled to the mount, it all went to the bottom. 
Retrieving the motor is a whole other email. 
I made an insurance claim - GIECO.  They did not cover the outboard, but gave e $2500 for the motor mount.  I bought a West marine Lift, and used a spare motor. for the 2020 covid season, then rebuilt the GB motor mount this winter and installed a new Honda on it. 
Turns out - the Honda Couling is larger than the Yahama and now hits the stern rail and prevents me from tilting it all the way up to get the prop out of the water.
Another project! 
I would  have launched last Sunday, but the Bay Constable (after he watched me rig and raise the mast)  had a differ of opinion about whether I needed a ramp permit for a seasonal launch.  He told me that if I had checked I could have avoided all the rigmarole.  I told him I had checked - and learned I didn’t need a permit - that I  had been launching and retrieving at that ramp for 8 years without a problem and now had a lot of de-rigmarole to do. 
The dude had no sense of humor and my boat’s back in the driveway.
Ric 
Sv Dadventure   


Richard F. Stott, AIA, LEED AP 
ric at stottarchitecture.com
O -631-283-1777
C- 516-965-3164



> On Jun 4, 2021, at 5:52 PM, Lee <lvjkuhn at gmail.com> wrote:
> 
> My insurance company is USAA but they contract out to Progressive for boats. 
> Progressive told me they can't insure outboards for sailboats.  My outboard
> is inexpensive so it's probably okay, but because it's so small someone
> could easily steal it or I could drop it in the drink, again.
> 
> Do any of you all insure your outboards?
> 
> Lee
> 1999 Rhodes22
> Claytor Lake, VA
> 
> 
> 
> --
> Sent from: http://rhodes-22.1065344.n5.nabble.com/