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Seatow and Boat US do not cover this type of grounding. They only cover if you have a "soft" grounding, ie the boat is floatable and still in the water. As soon as the boat needs additional work such as adding flotation because of a breach in the hull, or where the boat got washed up high and dry on the shore, it is no longer a "soft" grounding and becomes a salvage which is not covered and is very expensive (read $1,700.00 in my case).
I have been struggling for a week to get the boat off of Nonamesett Island. I have the boat on a trailer and in my yard finally. Now at least the time pressure is off, I know the status of the boat and motor (trashed), and have a better idea of what to do with the boat. Now I need to find a small cheap dumpster.
Yes, the Coast Guard and my Insurance adjuster explained I am responsible for the salvage operation. The salvage is covered in my boat insurance, but when the boat is totaled as mine will be, the cost of the tow comes off the limit which is the insured value of the boat. The insurance company's only obligation is to pay me after I present evidence of my costs, show them the damage to the boat and after they decide what the cost of the damage to the boat will be.
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