Sunday 7th of May 2017 02:18:09 PM
This winter, snow & ice slid off a tree in the front yard at Wigwam at The Point - Big Bear Lake and landed on top of "The Knot-So-Fast", Duffy Electric 21-foot Classic, collapsing a STEEL FRAME over the entire boat, but with a bigger dent in one place, in exactly the wrong place, namely over the electrical hub of the boat. The frame suddenly went from being convex to being concave. Because of the concavity, the top became a "bathtub", OTHER than AS it was designed (to shed snow and water). Progressive covered the loss to the frame, though they have been vague about how they arrived at the amount, and have not offered to cover any of the transportation costs to and from the repair facility. Or the costs for diagnosis of the other problems.Despite all the news about this being a very snowy winter, that was not the case in Big Bear Lake, and, in fact, the lake is still down 13 feet. Unfortunately, the record show everywhere else in the state is working against me by making them think that this was an abnormally snowy winter and that I was perhaps remiss in checking the boat. I check the boat weekly, as does the handyman, and we never saw any big accumulation of snow on that boat. Nor could you see that the center of cover was collapsed because it sits up on a trailer and is out of view.Duffy Electric Boats stated in an email that in the event of such a concavity of the top frame, one that occurred suddenly, that the water would come through in "one hour to one day". Because of the location of the concavity over the helm, the electrical system shorted out and caused the bilge to fail, and the boat to fill with water. In turn, the motor was ruined. I believe that one hour to one day was all it took and I call that sudden. It is a completely reasonable explanation.Of note is that the boat was plugged into the electric grid the entire time, and there is no drain plug to remove that would've prevented water accumulation. The wood veneer over the fiberglass was destroyed, but that happened more gradually, and I believe that their determination is correct that the floor should not have been covered as an acute event. In any case, water did not pass through rotted wood and then through opaque fiberglass. The bid to repair all the electrical damage, motor, floor and related parts is about $15,000. The batteries were also damaged, and that is another $3000. The charger is ok.Steven **, the Progressive employee who determines the extent of coverage, is unable to define "sudden." The insurance comprehensive coverage pays for direct and accidental loss caused by a flood or storm. Even though they paid for a direct loss to a steel frame that then caused water intrusion, they are adamant that the two are unrelated. They say that water damage occurring over one hour to one day is "gradual deterioration". Yet, they cannot define "sudden". I believe that they are convoluting the language to avoid paying a valid claim and I was advised by Mr. ** that I would have to escalate this to the California Department of Insurance if I expected a different outcome.They do not seem to have a problem distinguishing between part of a claim that is covered and part of the claim that is not covered. I agree with that. I have four Vespa/Lambretta motorcycles, a travel trailer, and two boats insured with Progressive, and I am shopping for other insurance. Clearly, they do not value my continued business. I do plan to follow this up with USAA as well, since I was referred to Progressive as a partner.