Gulf Coast Boat Salvage

Warranties During Disasters:

When it comes to risks and perils to property, there is a spectrum of coverages that includes both insurance and warranty, with many shades in between. Warranties don't cover disasters, but in their aftermath there's frequently an overlap between insurance and warranty.

Talk about perils! Your editor, while visiting London last month, witnessed the sights and sounds of riots and looting on the streets outside. Days after returning to New York, the office walls shook profusely under the effects of a rare earthquake centered in Virginia. Then last weekend, a hurricane hit the East Coast of the U.S., tearing up the landscape from North Carolina to Vermont. All three left extensive trails of damage, injuries, and fatalities.

Now comes the cleanup. What follows is an overview of some of the repair/replacement coverages that are likely to be accessed by those suffering losses last month, arranged loosely in a spectrum that ranges from the most routine to the most catastrophic.

First, let's begin by saying that there is a clear separation between warranty and insurance. Warranty covers defects while insurance covers damage.

But sometimes the line between them gets a bit blurry. For instance, extended warranties now sometimes cover perils such as drops or spills that have no clear relationship to a manufacturing defect. Some of the same insurance companies backing extended warranties and vehicle service contracts also write homeowner's insurance policies and comprehensive auto insurance policies.

Some vehicle service contracts are routinely bundled with GAP coverage, which insures the owner for the difference between a car's value and the amount left on the loan should there be a total loss. Others are bundled with roadside assistance packages, tire puncture/repair services, or motoring clubs that will answer distress calls from drivers who locked themselves out of their cars.

Whether it's warranty or insurance, there is a spectrum of coverage that begins with the routine and predictable risk of product failure and ends with a federal declaration that a major disaster has occurred. In between are a myriad of warranty and insurance coverages that we can only begin to summarize here.

Boats for sale 46 th Annual National Marine Conference East April ...

April 13 – 15, 2008 (Sunday through Tuesday) at the Marriott Hotel, New Orleans, Louisiana.

We take pleasure in inviting all marine surveyors and others with an interest in the Maritime Industry to join us on this special occasion. It is dedicated participation by members of NAMS and the Maritime Industry that makes these meetings successful. The conference is part of the NAMS continuing education and professional development efforts where our members and other attendees can meet and discuss ideas and experiences and participate in the exchange of technical information to be presented by our maritime industry speakers.

Although the program is designed primarily for the benefit of professional marine surveyors, other persons involved in the maritime industry will find much, if not all, of the conference to be of interest. In the past, attendance has included Marine Underwriters, Brokers and Agents, Loss Adjusters, Marina Operators, Vessel Owners and Operators, Naval Architects and Marine Engineers, Admiralty Attorneys, Freight Forwarders, Terminal Operators and other individuals engaged in various aspects of the Maritime Industry. We particularly encourage non-member surveyors and other interested persons to attend and benefit from the technical program and the always-interesting round-table discussions.

The technical portion of this conference represents various interests and expertise on timely and important subjects pertinent to our profession. For our members, attendance at this conference will be credited towards CMS re-certification.

NAMS recommends that our members and attendees complete and send in their reservations as soon as possible. As in the past, reservations and accommodations will be on a first-come, first-served basis. We look forward to seeing you in the “Big Easy.”

CONFERENCE REGISTRATION

Conference registration and fees should be received by Wednesday, March 12, 2008. Refunds will absolutely not be issued for cancellations received after Wednesday, March 12, 2008.

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