Storm damage. Who's responsible?

[Surgical_ass]

Tornados hit middle tn over a week ago. My boat was at the dealer getting another output shaft seal replaced. The dealership had lots of damage to their building and boats for sale. Fortunately the customer boats were on the side of the lot that had no damage. My boat apparently had the cover blown off from the back. The transom straps were riped from the cover. They said nothing else happened to the boat and they had gone over it thoroughly. They have been great in getting the cover fixed. I have not yet seen the boat yet tho. My question is what if I do find damage that wasnt previously there who's responsibility is it financially? Do their insurance cover everything and everyone's boats? I singned no papers when I dropped the boat off (waivers) I'm not anticipating any issues whatsoever with them but I am curious as to how this thing works just incase.

[larry_arizona]

My opinion is your insurance should cover it.



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[Branden967]

I would assume since the boat was in their possession it would be their responsibility. It also sounds like if they are make a claim for other damages it would make sense to lump them all together so it hits under their one deductible.

Id get down there sooner than later to make sure you get eyes on how she sits.

[KnoxMojo]

I would assume since the boat was in their possession it would be their responsibility. It also sounds like if they are make a claim for other damages it would make sense to lump them all together so it hits under their one deductible.

Id get down there sooner than later to make sure you get eyes on how she sits.

One would think this, but it is not correct. The dealer would only be liable due to negligence, anything else like storm damage, theft and vandalism falls to the boat owner and their insurance. I live in Tennessee and have been through it with both a boat and a vehicle. Hopefully all is ok, call your insurance to give them a heads up.

[MJHSupra]

I agree with KnoxMojo.

Have the weigh the option on total damage dollars vs making the claim.

Raising rates and if you have another claim in the future, someone on the Fbook site was just asking insurance questions b/c they were dropped.

Dang insurance companies and banks, they make the money no matter the situation nor if the markets are up/down.

Good luck.

[BigOrange]

Surgical, did you get your boat from ASM? I'm curious since they are my closest dealer but I didn't buy from them. Everyone on here always talks up the argument of dealer will not treat you right, move you to the back of the line, etc. I'm just curious on your opinions. I do my light Mx (winterization, oil changes, etc) myself but one day I know I'll need some real work done unfortunately and try to balance on where to go. With my past deck boat I had great luck with Rambo just across the state line from Fayetteville. That would be my 2nd call probably if ASM wasn't a good option.

[larry_arizona]

If it’s just cover damage, I personally wouldn’t claim something that small.

Edit: nevermind, reread and saw dealer fixed it.


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[Surgical_ass]

Surgical, did you get your boat from ASM? I'm curious since they are my closest dealer but I didn't buy from them. Everyone on here always talks up the argument of dealer will not treat you right, move you to the back of the line, etc. I'm just curious on your opinions. I do my light Mx (winterization, oil changes, etc) myself but one day I know I'll need some real work done unfortunately and try to balance on where to go. With my past deck boat I had great luck with Rambo just across the state line from Fayetteville. That would be my 2nd call probably if ASM wasn't a good option.
I did not buy from them. I found the boat in Connecticut and went and picked it up. I too was worried about service since I didnt buy from them. I have had 2 warranty claims (output shaft seal leaking oil) they have treated me great. I would buy from them and will continue to have my boat worked on by them in the future. I do all minor maintenance and winterization myself.

[scotthons]

If there is damage to your boat their insurance may cover it if they have garage keepers liability insurance.

[zabooda]

Just consult your insurance company and they make the determination based on insurance laws.

[Surgical_ass]

Picked the boat up today. We were very fortunate to not have any damage to the boat (not a single scratch) part of their roof was blown off and the subdivision across the street was mostly destroyed. They had the 2 transom straps sewn back on. She just needs a good bath inside and out. It was inline to be detailed when I picked it up. Figured id just do it myself. I asked the guy helping me about insurance. He said the dealerships insurance co would have taken care of any damage. Not sure if this is standard with all dealerships or not.

As I said earlier I did not buy the boat from aqua sportls marine. With all the damage to their shop and their boats by in large being heavily damaged (heavily debris falling on them, boats being blown into the adjacent lots) they did an excelled job making sure I was taken care of and that my boat was ok. I had a "learning experience" Mark on the bow from last summer that 2 different people came up and asked me about making sure that it was something that was previously there. Can't say enough about these guys.