[Paddlewise] FW: Insurance

>>
        Boats are typically an exclusion on most home-owner policies. And   I
wouldn't expect my auto policy to cover a boat on a trailer. But what   about
the kayak on the roof? If the car slides off the road in winter ice, or
lurches into a tree to avoid the apochryphal child chasing the ball into   the
street, is the yak covered when it gets crunched and splintered in the
wreck? If someone decides to take my truck for a joyride where truck and   yak
end up deep-sixed and abandoned out in the bay. . . is the boat covered   by
the auto-theft policy?
>>

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My old We-no-nah Jensen 18 skin coat canoe was totaled several years ago
when a garbage truck backed into my car. It was covered under my
comprehensive auto policy with State Farm. Fortunately, I had a   replacement
value policy, because Kemperer, the insurer for the garbage truck, was
willing to pay only the depreciated value of the canoe. How they figured
that, I don't know, because when the adjuster for Kemperer called the   place
where I bought the canoe, he was told that that there were no used canoes   
like mine available. In the end, State Farm had to make up the   difference.

Ironically, the first person to go on a trip with me in my new canoe   worked
for Kemperer and knew the adjuster who had worked on the claim.

Chuck Holst


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