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Rodent Damage - Is it covered by Marine Insurance

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Rodent Damage - Is it covered by Marine Insurance

Old 01-04-2019, 10:57 AM
  #21  
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I keep a rodent mitigation team on staff at all times. Of course, if you are familiar with cats, they treat us as if we are their staff,
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Old 01-04-2019, 11:06 AM
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this is the reason I have cowling covers on my engines
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Old 01-04-2019, 11:12 AM
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I am picturing my motor in my head, where is there a space where a rodent can get under your cowling? Did they chew through the cowling? Did they enter where the wires enter the motor?
I know they can squeeze in some tight spots but never herd of them getting under the cowling. Good luck I am sure farmers would cover it. Cause they have seen a thing or two. Or something like that.
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Old 01-04-2019, 11:42 AM
  #24  
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I had squirrels chew up a wiring harness on my Silverado. My comprehensive coverage on the truck with State Farm payed the $550 to get it fixed!
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Old 01-04-2019, 12:25 PM
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Originally Posted by GeoFdz1 View Post
@popeyeiii Policies can at times have verbiage which is LESS than self explanatory, hence going out to the community for answers. I think thats what forums like these are used for. Not looking for legal advise just looking for some thoughts based on experience, etc.....
I would, if I had any question about the language of contract, reach out to an attorney and not ask a "community" that has no idea what your policy actually states. Asking the "community" is great for things like bait selection and mildew control, but how are we supposed to know what's in your insurance policy if you don't?

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Old 01-04-2019, 12:41 PM
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Originally Posted by hunthard View Post
I am picturing my motor in my head, where is there a space where a rodent can get under your cowling? Did they chew through the cowling? Did they enter where the wires enter the motor?
I know they can squeeze in some tight spots but never herd of them getting under the cowling. Good luck I am sure farmers would cover it. Cause they have seen a thing or two. Or something like that.
Air intakes are the easiest places, at least on Yamahas. Birds, bees (ok, wasps), and rodents just sashay on inside.....
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Old 01-05-2019, 06:56 AM
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My automotive policy covered an entire firewall-forward rewire. The mother and baby squirrels were still nesting in the engine bay when it went into the shop. When the tech was removing the hood he almost dropped it when the mama started fussing at him. Too funny.
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Old 01-05-2019, 07:04 AM
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Originally Posted by peptide View Post
I would, if I had any question about the language of contract, reach out to an attorney and not ask a "community" that has no idea what your policy actually states. Asking the "community" is great for things like bait selection and mildew control, but how are we supposed to know what's in your insurance policy if you don't?
If the advice of the THT community is solicited at least post the insurance policy so that an interpretation can be made. We can then disagree on what it says.
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Old 01-05-2019, 07:08 AM
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Yes there is a lot of development going on with soy based plastics, however I have not heard about it hitting the electric wire and cable industry yet. Granted, the automotive market (non UL) is a bit different than the would I work in (typically UL & CSA wire and cable products). As far as I know PVCis still the mainstay, and rodents find that very tasty.

EDIT——- I just did a bit of googling and soy based wire insulation certainly is being used in SAE (automotive) applications now, and it is very tasty. Interesting. I wonder how long it will be before it starts making its way into UL and CSA. I need to do a bit of looking.

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Old 01-05-2019, 07:08 AM
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Originally Posted by hunthard View Post
I am picturing my motor in my head, where is there a space where a rodent can get under your cowling? Did they chew through the cowling? Did they enter where the wires enter the motor?
I know they can squeeze in some tight spots but never herd of them getting under the cowling. Good luck I am sure farmers would cover it. Cause they have seen a thing or two. Or something like that.
I bet they have seen it. I bet they have denied coverage based on what a specific policy of theirs says.

Farmers talks about coverage for events that were covered within a specific policy. They don't talk about denial of coverage for the same event based on a different policy.

Like Progressive talking about reimbursing the full price for the loss of a new automobile. Implying that other company's don't. They are not comparing like kind policies.
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Old 01-05-2019, 08:18 AM
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Originally Posted by alloyboy View Post
What newer insulation?
I seem to remember Honda's (cars) having problems with rodents liking the taste of the insulation on the wires. They have a rodent deterrent electrical tape they sell to re-wrap the wires Honda part # 4019-2317. For what it's worth.
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Old 01-05-2019, 08:57 AM
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Another yes to insurance,
my friend owned a 26' Crownline of early 1990's vintage. It was his family vacation boat (slept 4 if 2 in mid cabin). He forgot to lock the mid cabin porthole under the helm bench. Racoon pushed in the screen and they partied all winter. $11,000 damage which including removing the half eaten owl. Despite his hopes for a total out, insurance paid the 11k. Still sucked as a salmon boat but we slept on it which kept our cost down.
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Old 01-05-2019, 10:57 AM
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Please post the answer when you find out. My money says no way will they cover it.... And I'll give odds. Be ready for the bad news.
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Old 01-05-2019, 11:00 AM
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Same thing happened to my children's God father's Porsche Cayenne S : insurance did NOT cover it: $12,000 out of pocket to correct the electrical damage. But, as noted, ALL policies are different. So, your insurance company will be the final answer ( read your policy carefully: it's not rocket science or French. Exclusions are easy to understand).
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Old 01-05-2019, 11:04 AM
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Originally Posted by bikem View Post
Soy based wiring. Rats love it. I had a thread on this a while back. My 2018 Tundra has had rats twice. Not covered under warranty because it was a outside influence.
yup. My lawn tractor, snowblower and weed whacked all have had mice eat the wires. The power equipment shop parts guy told me that’s exactly the issue. Common enough they stock the harnesses
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Old 01-05-2019, 11:31 AM
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Originally Posted by bikem View Post
Soy based wiring. Rats love it. I had a thread on this a while back. My 2018 Tundra has had rats twice. Not covered under warranty because it was a outside influence.

Good thing its soy based and not meat based. Otherwise vegans would have to stop buying cars and houses.......
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Old 01-05-2019, 01:27 PM
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Red pepper spray or
honda has pepper infused tape or
rewire with marine grade wire not automotive that outboards are using
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Old 01-06-2019, 11:16 AM
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Originally Posted by wjd View Post
I had squirrels chew up a wiring harness on my Silverado. My comprehensive coverage on the truck with State Farm payed the $550 to get it fixed!
That's interesting. How long ago did that happen? I thought SF, like most insurance, excluded coverage from rodent damage.
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Old 01-06-2019, 12:53 PM
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Originally Posted by NedLloyd View Post
Yes there is a lot of development going on with soy based plastics, however I have not heard about it hitting the electric wire and cable industry yet. Granted, the automotive market (non UL) is a bit different than the would I work in (typically UL & CSA wire and cable products). As far as I know PVCis still the mainstay, and rodents find that very tasty.

EDIT——- I just did a bit of googling and soy based wire insulation certainly is being used in SAE (automotive) applications now, and it is very tasty. Interesting. I wonder how long it will be before it starts making its way into UL and CSA. I need to do a bit of looking.
The soy bean farmers lobby got with the corn farmers lobby and got the government to mandate the use of soy based wire insulation. Regulations are being implemented that will mandate S85 wire insulation.
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Old 01-06-2019, 01:19 PM
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Originally Posted by alloyboy View Post
The soy bean farmers lobby got with the corn farmers lobby and got the government to mandate the use of soy based wire insulation. Regulations are being implemented that will mandate S85 wire insulation.
Interesting,..... thank you.
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