Insurance Question

D

dinows

Member
Joined
Feb 28, 2002
RO Number
7679
Messages
216
I recently put my boat up on a ledge and destroyed both outdrives (28 Sea Ray 1988)I also had a good leak at the transom. The Mechanic said the leak was caused by tearing the bellows. Well, the insurance paid for the labor and both lower units but not the bellows and labor (port engine only) They said this was wear and tear and the bellows were old to begin with. My argument is although they may have some age to them I wouldnt have had them replaced this year if I hadn't been put up on the ledge and ripped them. What do you think

Thanks Dino
 
Didn't your mechanic have to remove the bellows anyway to service those parts? If so at least the labor should have been covered.
 
Read your policy. they do have the right to adjust for normal wear and tear, and if your boat is a 1988 and the bellows are the original, you;ve been living on borrowed time anyway. If that's all they adjusted then thats not too bad!
 
Was the leak incident to mooring it up keel side to on the rocks, or was it there before? Either way, I agree with the above - if they're original, it's amazing you went this long without having to replace them. What are you looking at, a couple hundred bucks for the bellows job? I'd be happy with it.
 
There was no leak before I hit the rocks. As far as the bellows, I think they are about 8 years old
 
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