I did a terrible thing a couple of months ago: tried to pull my C-22 with its high radar arch under the Burlington Northern bridge next to Golden Gardens in Seattle. There are several signs warning of the low railroad bridge; but it's a narrow, winding road and my knuckles were white, my eyes were glued to the road ... and I just didn't see those signs.
The resulting impact removed my radar and spotlight, bent my radar arch, and put a big crack between the cabin top and the side walls. If you haven't done something like this, you can't imagine how stupid it's possible to feel. It wasn't quite the Exxon Valdez, but I was feeling a deep sense of kinship with Joe Hazelwood.
I can't remember having an insurance claim in my life, and I really didn't expect that such a colossal blunder would be covered. But it was; and I was incredibly fortunate to have the assistance of a group of wonderful people who helped put my poor little boat back together again:
--My brokers, Anchor Marine Underwriters, on Mercer Island, were immediately responsive and set the restoration process in motion within minutes of getting my call. I thought they were great when I bought my policy from them, and I REALLY think they're great after the way they came through for me. Sam Landback sold me the policy, but everyone I worked with there was great.
--ACE Recreational Marine Claims was my insurer, and claims adjuster Anne Beeler was just about the nicest person I've ever met. ACE is in Maryland, and I'm in Washington state; but Anne held my hand all the way through the process, reassured me, offered sage advice on how to find good craftsmen to fix the boat ... and you know what? They made me whole. Wow! Thanks again, Anne!
--Mike Carder, of Lakota Marine, in Everett, rebuilt my cabin roof, by hand. It was really messed up. And now it looks brand new. Mike--and everyone else I'm going to mention in this post--was scrupulously honest and efficient. The crew at Lakota are top notch, their prices are fair, and I highly recommend them.
--Railmakers, in Everett, built me a beautiful new radar arch, that's even better than the original. Fast service, fair prices, great people to deal with.
--Tim Caudill and his wonderful crew at Cascade Marine, in Everett, advised me throughout the process, and they are part of the reason I didn't shoot myself. Tim and his guys were compassionate, realistic, fair, patient, funny. They took care of me, you know? They didn't make me feel like a dipshit, in spite of the ample evidence of my dipshittedness. Cascade did all of the electrical work (and there was a lot; all of the electronics had to be replaced). I will be going back to them whenever I need electrical or mechanical work performed on my boat.
Thanks to all you wonderful professionals for doing your jobs so well.