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TOPIC: Hurricane damaged 4788–Frustrated owner

Hurricane damaged 4788–Frustrated owner 16 Sep 2007 13:36 #1

  • druster
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I bought a new 4788 2000 model, summer of 2001. The boat was laid hard aground by hurricane Ivan in September 2004. It has been under repair for three years at a cost, so far, of 250K. The insurance company has had the vessel surveyed twice and I’m about to engage my own surveyor. My immediate problem is in finding construction details for the boat. There are multiple stress cracks and areas of separation between the base of the generator and the boat stringers and other types of these issues in areas I can visually inspect. The salon floor has fallen from its support and was crudely propped-up by the shipyard. (How is the salon floor attached to the boat frame?) There is standing water in the forward hull, from where I don’t know. The boat noticeably vibrates from 1800 to 2400 rpm. All running gear is new, aligned, inspected and I’m told true. One of the 370 Cummins engines was replaced due to water entering the engine, presumably through the exhaust. Does anyone know how the salon floor is specifically braced to the boat structure? Where else should I be looking for hidden damage? Any advice from this group is appreciated. - Drew

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Hurricane damaged 4788–Frustrated owner 16 Sep 2007 13:48 #2

  • mmichellich
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If there is any way to sell the boat (or give it to the insurance company) and get another is the best advise anyone can give.

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Started boating 1965
Bayliners owned: 26 Victoria, 28 Bounty, 32, 38, and 47 since 1996

Hurricane damaged 4788–Frustrated owner 16 Sep 2007 14:09 #3

  • RobertSchommer
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There's a video on our FTP site that shows a tiny bit of the construction of a 4788.
ftp://mail.systems-interface.com/RHS/BaylinersOwnersClub/BaylinerManualsVideo/

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Hurricane damaged 4788–Frustrated owner 16 Sep 2007 14:12 #4

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As in Holdem poker, the insurance carrier is pot committed, and won't total the vessel. They originally estimated the damage at 50k. I wouldn't sell this boat without full disclosure, which makes its value questionable. In order to get where you suggest, I need specific information to disclose the vessels hidden damage, and knowledge of the cost to repair. Drew

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Hurricane damaged 4788–Frustrated owner 16 Sep 2007 15:10 #5

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Robert: Thank you for the video. It helps my understanding considerably. I now know the stinger framing system is fairly intricate and encapsulated and sealed to prevent wood rot. Through visual inspection of boat “Bullwinkle”, I also know it is cracked upseparated at the joints and in some instances plain busted in various areas within the stringer system. The video illustrates a computer cad drawling. Do you think I could get my hands on some structural line drawling of this boat? I’m having trouble downloading the hi-res file and the two mpeg files, nevertheless I’m extremely grateful for the lead. Drew.

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Hurricane damaged 4788–Frustrated owner 16 Sep 2007 18:54 #6

  • dmcb
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Drew, this has to be a boaters worst nightmare.
I am very sorry you find youself in this position.
If you have standing water and the fiberglass is cracked, well you know.
I would suggest you find a good suveyor, give him all your information and get his report.
The next step would be (I hate to suggest this) legal representation to help with your insurance company.
I fear you are in for a long battle in any event.
Good luck.
Please keep up posted.
Doug

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Started boating 1955
Number of boats owned 32
Bayliners
2655
2755
2850
3870 presently owned
Favorite boat. Toss up. 46' Chris Craft, 3870 Bayliner

Hurricane damaged 4788–Frustrated owner 16 Sep 2007 19:24 #7

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Legal representation gets a new angle going with the Insurance comapany. when I have done that things headed in a new direction much more quickly than I ever imagined. When Ins. Co is dealing with you they often do not take care of YOU. When you have someone go to bat for you they take notice and stop dragging their feet.

Good luck. This is not a good situation. Outcome not likely to be what you pay those insurance bills for. We wish you well.

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Hurricane damaged 4788–Frustrated owner 16 Sep 2007 19:29 #8

  • mmichellich
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Was talking to a friend a couple of weeks ago that sunk his almost new 33 Bayliner a few years ago right in front of the Des Moines marina. He had it hauled out within an hour of getting water over the engines. His insurance company totalled the boat. Last summer he had a gent come up to him on his new much larger Bayliner and asked the origin of the name on his Bayliner. He asked why the boater wanted to know and the other gent said he had purchased a 33 Bayliner and when when he waxed the boat discoved it used to have the same name as friends larger Bayliner. My friend replied that he used to own the gents 33 and had sunk it. Other gent was really upset and said he had numerous wiring and electrical problems since he purchased the 33. In discussing it further and going through the paper work, they were able to determine that the boat had 3 different owners in 3 years, not including the latest owner or the insurance company. Apparently there is still nothing wrong with taking a sunken boat and selling it without a disclaimer. Something wrong with this picture.

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Started boating 1965
Bayliners owned: 26 Victoria, 28 Bounty, 32, 38, and 47 since 1996

Hurricane damaged 4788–Frustrated owner 17 Sep 2007 16:28 #9

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Doug, I’ve had attorneys on the matter for the last 18 months, they need ammunition from me to proceed. I have talked with one surveyor (Rick) from Certified Marine Surveyors in Chicago. Another one suggested to me was Riesner Mcewen & Associates out of Seattle, Wa. Although I don’t think they will travel to Kentucky Lake where the boat is now located, and I have been unable to reach them by phone. Ideally I need a surveyor who knows the 4788construction and can report with a greater degree of certainty than the insurance co hired guns. Anyone have a suggestion? I appreciate everyone’s comments, I am looking for the right stone to knock Goliath from his perch.
Drew

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Hurricane damaged 4788–Frustrated owner 17 Sep 2007 17:31 #10

  • betelgeuse
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Drew

You may find David Pasco can come to your rescue.


Phone:

(850) 650-1255

Web: www.yachtsurvey.com

Fax: (850) 650-1263
Mailing:
Address
D. H. Pascoe & Co., Inc.
73 Bay Walk Court,
Destin, Florida 32550


Good Luck

Jerre

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Hurricane damaged 4788–Frustrated owner 17 Sep 2007 17:47 #11

  • JRSchwab
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Drew,

If I can ask...who is your insurance carrier??

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Joe/Manasseh

Hurricane damaged 4788–Frustrated owner 17 Sep 2007 19:11 #12

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Jerre,

Thanks for the lead. I've sent him an email with the thread to this site, along with my contact info. I was unable to reach him by phone.

To Joe: I’d rather not disclose the carrier at this time, for reasons of legal mumbo jumbo.

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Hurricane damaged 4788–Frustrated owner 17 Sep 2007 19:11 #13

  • ericboater
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Drew,
You need to get your own insurance adjuster. If I understand all that
you have stated here, the insurance company is bad news. Get your own
private insurance adjuster ASAP. You need to get an independent marine
surveyor / engineer to qualify all of the damage to your vessel. Terrible
situation you have there, but with professionals, you will see the light at
the end of the tunnel.

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