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Old 06-07-2014, 04:55 PM   #7
koliver
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City: Saltspring Island
Vessel Name: Retreat
Vessel Model: C&L 44
Join Date: Nov 2007
Posts: 5,663
I had a wet generator a couple of years ago. It was considered a consequential loss, due to the generator being in no way responsible for its loss. My insurance policy was vague, but with a good relationship between the repair shop and the adjuster, they go the job done. What I had initially thought was 100% my own responsibility, and so I looked at various inexpensive to quite expensive options, and the price rose from the replacement of only the generator (the wet part) to a $22000 complete change.

I had only 4.0 kw of Onan power. I now have 4.0 kw of Westerbeke power. No upgrade, other than age, (over 20 yrs - not sure when the PO installed the original).
As for getting your insurer to step up, the wording of your policy is important, but so too is the personal relationship you and your repair shop have with the adjuster.
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