About Bennie719 Expertise I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella Insurance. Also thoroughly familiar with Claims Handeling procedures. Will answer questions related to the above.
Experience Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life & health for two + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker License.
I have been a volunteer at allexperts.com since 2002.
I can provide assistance in the following fields:
Property and Casualty Insurance,
Insurance Law,
Auto Insurance Claims
Question I am in a boat club and our slips are owned by the individuals as deeded space. The catwalks and docks are maintained by the club. I have a boat (within length and weight limits) that was tied properly. It lifted the pilings and part of the catwalks as it bounced. 1. Am I responsible for the damage? 2. If the construction of the slip was not maintained properly or was not installed correctly, is the association responsible for my boat damages?
Thanks for taking the question.
Answer Hi Bob,
This is not a question that can be provided a rapid simple answer.
If your boat club is in a location where the water level is controlled by the tide, then an exceptionally high tide could
be a partial causation. If you are on a lake or river where the
water level is controlled by the release of water from hydroelectric
dams or there was an exceptionally heavy rainstorm shortly before
the damages happened then any of these factors could be a partial
cause.
The full circumstances of the cause leading to the damages needs
to be investigated by the association's insurance company and
by your watercraft insurer.
Make a full report of the incident to your watercraft carrier to get the ball rolling.
