Thank you Keith, Mike and Jamie:
I know how you feel about itemizing all the items on the boat. It's kind of hard, isn't it?
I have spent the last several days itemizing too, and have some retrospective ideas to share with The Tugnuts. Hopefully this never happens to anyone again, but if it does you are ready:
1. Have a well documented ownership record for everything including the boat and any additions. That would include annual fees paid, documentation, registrations,e to. I am so thankful that I had a separate file at home of most of my boat records. It just took me a few days to find it. But it is pretty well documented.
2. Understand and your insurance policy, limits and what it concluded in each, as well as deductibles. Especially the Hull inclusions as some items we've added (like $5,200 in Bimini and enclosure) is included in "hull" as it is attached via snaps. As my personal effects portion of the policy only covered $750, I know I will come up short of our investment on that portion.
3. Take a periodic check of the inventory of everything you have on the boat. At the urging of my insurance company SafeCo, who has been great to deal with, as you are sitting quietly, open every hatch and storage area in your mind and record what you have in there. I have spend about four days thinking and rethinking what I had on the boat, and updating my "shopping carts" from on-line stores where I would repurchase. I know I will forget something so it is just better to have a list that you Uodate periodically.
Any other suggestions by this group?
We're just trying to capture the learning so we can maybe help the next person.
Thanks,
Mike
