I think you're going to need that survey to get an agreed value policy that's above market value.
I had the adjuster from Progressive out to look at the lower unit on my flats skiff. Something knocked a healthy chunk off the anti-ventilation plate and they bought me a new SEI lower unit. My claim experience with Progressive was good. Fast and no hassles.
While he was there, I showed him what I was doing with the 25 Seafari. He said I would need a survey and good documentation of the work I've done to get an agreed value policy for what it would cost to replace it.
The agreed value policies I have on my other two boats are within normal market value for those boats.
Dave
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Blue Heron Boat Works
Reinventing the wheel, one spoke at a time.
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