September **, *** *** This letter is in response to the above-referenced complaint dated September *, and addressed to David Strauss at Sullivan & Strauss Insurance Agency ("S&S"), which was received via email the same day. The complaint was submitted by *** *
*** and concerns a claim for damages to *** *** Bayliner Runabout 175BR (the “Vessel”) under SkiSafe Seafarer Policy No***. On July **, 2016, *** *** contacted S&S to report a claim for damages to the Vessel, as he stated that its motor stopped running while operating on the Niagara River. At that time, his adjuster, Kate F*, advised *** *** that in order to adjust his claim the company would require a signed statement describing the particulars of the loss and how it occurred, photos of the damage and a written estimate of the necessary repairs. During this conversation, *** *** advised *** *** that he already brought the Vessel to S&M Marine and Small Engine (“S&M Marine”) in Niagara Falls, NY to examine the boat and prepare the estimate. The following day, July **, 2016, *** *** sent *** *** an email confirming the information required to process his claim. That same day, *** *** received *** *** written statement via emailOn July **, 2016, *** *** spoke with Sal at S&M Marine who indicated that the Vessel’s motor seized as a bearing inside the engine failed. He further indicated that the Vessel did not strike anything. At this time, Sal indicated he would provide the necessary photos, repair estimate and document the cause of loss. On July **, 2016, *** *** left *** *** a message requesting an update on the claim status. MsF* advised *** *** that she had not yet received the photos and documentation from S&M Marine. On July **, 2016, *** *** received a repair estimate from S&M Marine via email. She replied via email, copying *** ***, to note that we were still awaiting the requested photos. MsF* also contacted Sal at S&M Marine to request that he confirm the cause of loss in writing. On July **, 2016, *** *** received written confirmation from S&M Marine that the Vessel’s engine seized up and suggested it may have been due to a failed oil pump. *** *** SkiSafe Seafarer policy includes the Consequential Loss Coverage Removal Endorsement, which endorses Part D, Section 2a of the policy to provide that “We do not provide property damage coverage against or resulting from: awear and tear, deterioration, mechanical or electrical failure, improper repair, corrosion, weathering, insects, mold or mildew, animals, vermin or marine life damage.” Therefore, *** *** policy excludes coverage for mechanical failure, which was the cause of the damage reported according to the repair facility he retained. In addition, the full SkiSafe Seafarer Policy and a copy of all endorsements were mailed to *** *** at the time he first initiated coverage in and in advance of every successive renewal thereafter. At no time did MrF* advise S&S that he did not receive a copy of his policy or request any missing documentationAs a result, S&S prepared and sent *** *** a denial letter advising him that his loss was not covered under the terms of his policy. In reaching this outcome, S&S’s marine adjuster relied not only on her unique training, but on the visual and diagnostic evidence supplied and the professional determination as to the cause of loss provided directly by the repair facility *** *** contracted to examine the Vessel. S&S’s adjuster, Kate F*, was actively engaged with the claim file from *** *** first report on July **, 2016. During the sixteen (16) days between that date and July **, 2016, the date on which the claim was resolved and a letter explaining the resolution mailed to *** ***, *** *** was actively monitoring the claim and regularly advised *** *** of the information and documentation required to finalize the claim process. Furthermore, she was in regular contact with S&M Marine, the expert marine repair facility independently chosen by *** ***, in order to obtain a written estimate and document the cause of loss so that S&S could make a proper determination of coverageAs S&S understands the circumstances, it acted consistently with the terms and conditions of its policy in the course of all dealings with *** ***. However, if the Bureau is aware of any additional information, S&S will consider it. Please contact us should you have any questions or require additional information. Best Regards, David S***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
[The response that the insurance company gave to my knowledge is untrue. One reason is the owner of S&S Marine who had the boat never sent them any letter just an estimate of the damage/ or the problem with the boat. And he is not someone that I sought out--he happened to be at the harbor when the boat had been pulled back to the harbor and offered to help check the boat out for me. I dispute it because he told me he was not sure what caused it--but whatever happened it affected the motor. That was my purpose for getting insurance if damaged was done to it, it would be covered. Secondly, the fact that Kate F[redacted], after being their client since 2013 did not choose to return my calls in a timely manner (at times in a week--I did not receive a telephone call) and after receiving an estimate and photos was a slap in the face to me to receive instead a certified letter denying all my rights. SkiSafe has left a bad taste in my dealings with them. All my friend boaters and the associates of the New York State Teachers Union will be notified the unprofessional service I received from Ski&Safe insurance. As stated before I am still paying for the boat and the boat has been in superb condition since I purchased it. Now I am left to continue paying for this boat and mistreated by this insurance company. Lastly, up until this happened I have learned more about what took place from their point of view through your help because they didn't keep me informed at all.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
September **, *** *** This letter is in response to the above-referenced complaint dated September *, and addressed to David Strauss at Sullivan & Strauss Insurance Agency ("S&S"), which was received via email the same day. The complaint was submitted by *** *
*, advised *** *** that in order to adjust his claim the company would require a signed statement describing the particulars of the loss and how it occurred, photos of the damage and a written estimate of the necessary repairs. During this conversation, *** *** advised *** *** that he already brought the Vessel to S&M Marine and Small Engine (“S&M Marine”) in Niagara Falls, NY to examine the boat and prepare the estimate. The following day, July **, 2016, *** *** sent *** *** an email confirming the information required to process his claim. That same day, *** *** received *** *** written statement via emailOn July **, 2016, *** *** spoke with Sal at S&M Marine who indicated that the Vessel’s motor seized as a bearing inside the engine failed. He further indicated that the Vessel did not strike anything. At this time, Sal indicated he would provide the necessary photos, repair estimate and document the cause of loss. On July **, 2016, *** *** left *** *** a message requesting an update on the claim status. MsF
* advised *** *** that she had not yet received the photos and documentation from S&M Marine. On July **, 2016, *** *** received a repair estimate from S&M Marine via email. She replied via email, copying *** ***, to note that we were still awaiting the requested photos. MsF
* also contacted Sal at S&M Marine to request that he confirm the cause of loss in writing. On July **, 2016, *** *** received written confirmation from S&M Marine that the Vessel’s engine seized up and suggested it may have been due to a failed oil pump. *** *** SkiSafe Seafarer policy includes the Consequential Loss Coverage Removal Endorsement, which endorses Part D, Section 2a of the policy to provide that “We do not provide property damage coverage against or resulting from: awear and tear, deterioration, mechanical or electrical failure, improper repair, corrosion, weathering, insects, mold or mildew, animals, vermin or marine life damage.” Therefore, *** *** policy excludes coverage for mechanical failure, which was the cause of the damage reported according to the repair facility he retained. In addition, the full SkiSafe Seafarer Policy and a copy of all endorsements were mailed to *** *** at the time he first initiated coverage in and in advance of every successive renewal thereafter. At no time did MrF
* advise S&S that he did not receive a copy of his policy or request any missing documentationAs a result, S&S prepared and sent *** *** a denial letter advising him that his loss was not covered under the terms of his policy. In reaching this outcome, S&S’s marine adjuster relied not only on her unique training, but on the visual and diagnostic evidence supplied and the professional determination as to the cause of loss provided directly by the repair facility *** *** contracted to examine the Vessel. S&S’s adjuster, Kate F
*, was actively engaged with the claim file from *** *** first report on July **, 2016. During the sixteen (16) days between that date and July **, 2016, the date on which the claim was resolved and a letter explaining the resolution mailed to *** ***, *** *** was actively monitoring the claim and regularly advised *** *** of the information and documentation required to finalize the claim process. Furthermore, she was in regular contact with S&M Marine, the expert marine repair facility independently chosen by *** ***, in order to obtain a written estimate and document the cause of loss so that S&S could make a proper determination of coverageAs S&S understands the circumstances, it acted consistently with the terms and conditions of its policy in the course of all dealings with *** ***. However, if the Bureau is aware of any additional information, S&S will consider it. Please contact us should you have any questions or require additional information. Best Regards, David S***
*** and concerns a claim for damages to *** *** Bayliner Runabout 175BR (the “Vessel”) under SkiSafe Seafarer Policy No***. On July **, 2016, *** *** contacted S&S to report a claim for damages to the Vessel, as he stated that its motor stopped running while operating on the Niagara River. At that time, his adjuster, Kate F
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
[The response that the insurance company gave to my knowledge is untrue. One reason is the owner of S&S Marine who had the boat never sent them any letter just an estimate of the damage/ or the problem with the boat. And he is not someone that I sought out--he happened to be at the harbor when the boat had been pulled back to the harbor and offered to help check the boat out for me. I dispute it because he told me he was not sure what caused it--but whatever happened it affected the motor. That was my purpose for getting insurance if damaged was done to it, it would be covered. Secondly, the fact that Kate F[redacted], after being their client since 2013 did not choose to return my calls in a timely manner (at times in a week--I did not receive a telephone call) and after receiving an estimate and photos was a slap in the face to me to receive instead a certified letter denying all my rights. SkiSafe has left a bad taste in my dealings with them. All my friend boaters and the associates of the New York State Teachers Union will be notified the unprofessional service I received from Ski&Safe insurance. As stated before I am still paying for the boat and the boat has been in superb condition since I purchased it. Now I am left to continue paying for this boat and mistreated by this insurance company. Lastly, up until this happened I have learned more about what took place from their point of view through your help because they didn't keep me informed at all.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]