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Is Hurricane Haulout a Claim?

Old 09-07-2015, 01:59 PM
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Default Is Hurricane Haulout a Claim?

On my boat insurance renewal, because the insurance program is switching security (insurance company), they require a new application.
The broker mostly filled out the application and in the box "prior claims" they list the 50% payment the prior insurer for the pre-Hurricane Sandy haul-out in 2012.
I don't consider that a claim as it is the insurer's incentive payment to haul your boat when a named storm is 72 hours or less away and you are within the NOAA-NWS cone.
So, what is the THT's opinion - claim or not? I don't want to sign an inaccurate application even if it doesn't matter as far as rates go.
Old 09-07-2015, 02:12 PM
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When I had my Hatt56 I had that, and used it a few times. ACE was my carrier, and while you do have to file a "claim" to get reimbursed, neither my broker or them looked at it that way. I didn't ask for it, it came as part of the policy for the same reason you describe. You should ask your broker for your specific situation. To me it signals a conscientious boat owner.
Old 09-07-2015, 05:40 PM
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If you got money from them it couts as a claim. If you inquireif an occurrence is covered they count that even if you didnt collect
Old 09-07-2015, 05:44 PM
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Originally Posted by hatterasman View Post
If you got money from them it couts as a claim. If you inquireif an occurrence is covered they count that even if you didnt collect
This
Old 09-07-2015, 07:29 PM
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Most insurance companies consider that to be a comprehensive claim, no different than if you have a cracked or stone chipped car windshield repaired... They get you any and every way they can, if they pay you a single penny you can best believe they will make a note of it....
Old 09-07-2015, 07:36 PM
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Boat US insurance does not count it as a claim, and it doesn't affect the diminishing deductible due to having a "no claims" status.
I've used it a couple of times in the past.

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