waterpump

[persuader22]

currently im fighting my insurance company to replace a engine in my checkmate persuader that overheated.the mechanics that have the motor
tore down and myself are feeling that
the inlet port holes on the outdrive clogged up with something to not allow water to flow thru the impeller. the insurance company sent out an adjuster and he is saying that the water pump was worn out. this boat was in the water and ran, and pumped water perfect. it was a sudden thing that the water was restricted to flow thru.so much that the impeller had zero fins left on it. and or somthing actually went thru the water pump itself and took the impeller out.
my question is is there a way for me to prove that it was something to cause this or does it sound like a worn out water pump. the mechanics are saying that the impeller was not normal signs of wear, because it was totaly missing all the fins. this week the insurance company is sending out a engineer to look at the components of the water pump. only because the insurance co. said they have differences in opinion (of coarse). the problem is the engineer also is being paid by the insurance co. so i wanted to gain some knowledge before he looks at it.

[persuader22]

currently im fighting my insurance company to replace a engine in my checkmate persuader that overheated.the mechanics that have the motor
tore down and myself are feeling that
the inlet port holes on the outdrive clogged up with something to not allow water to flow thru the impeller. the insurance company sent out an adjuster and he is saying that the water pump was worn out. this boat was in the water and ran, and pumped water perfect. it was a sudden thing that the water was restricted to flow thru.so much that the impeller had zero fins left on it. and or somthing actually went thru the water pump itself and took the impeller out.
my question is is there a way for me to prove that it was something to cause this or does it sound like a worn out water pump. the mechanics are saying that the impeller was not normal signs of wear, because it was totaly missing all the fins. this week the insurance company is sending out a engineer to look at the components of the water pump. only because the insurance co. said they have differences in opinion (of coarse). the problem is the engineer also is being paid by the insurance co. so i wanted to gain some knowledge before he looks at it.

[175checkmate]

From what you are saying it sounds like a clog to me.
I have see guys run O/B's with out water (not knowing they needed it on the trailer for short periods of time) and melt the fins off. But even then there where still fins attached. They where just melted. A worn impeller will still have fins, they will have a perminate curve, to the point where they are allowing water to slip past in the housing.
Sounds like a sudden restriction to me.
Good luck in the fight.

[happy]

if all the fins are missing, you lost waterflow, they should be in big chunks, and easy to find. it only takes a few seconds w/o waterflow to grenade a waterpump. if it becomes a huge problem, have you mechanic call in the rep they have for your engine.. and have them look at it.. also you may want to call your own marine surveyor in to assess the waterpump. it is important the waterpump stay at the mechanics shop. you would'nt want the insurance co to loose it now ... huh..

[jgreen]

Maybe Im lucky but any boat claims Ive had with American Family have gone really well for me.
About 15 yrs ago I melted the top two cyls of my 90 horse chrysler because something clogged the water intakes, no problem, the had my powerhead rebuilt, 10 years ago my boat was totalled in a storm, no problem, 3 years ago same boat really totalled in another storm this time I didnt want to fix it also totalled 2 of my docks and 1 lift, no problems.

[Taz]

Here's what you need do. Find yourself a public insurance adjuster who works marine claims. This is a guy that work for you and handles all aspects of your claim w/ the insurance company. You will have to pay him a percentage of the total claim you receive (about 10%). But it is well worth it because he will get you evey penny you deserve.

Keep this in mind, Insurance companies are not on your side when you are filling a claim and it is the insurance companies adjuster's job to reduce or limit the pay out to you by as much as possible.

[persuader22]

WHERE DO I FIND THE PUBLIC INSURANCE ADJUSTERS?
I TALKED TO HIGH PERFORMANCE BOATS WHERE MY BOAT IS RIGHT NOW TORE DOWN THIS MORNING, AND HE SAID HE TALKED TO THE INSURANCE CO. THIS MORNING.THEY ARE SENDING OUT 2 ENGINEERS TOMORROW AT 430PM. HE SAID IN THE 28 YEARS OF MARINE SEVICE HES NEVER SEEN A CLAIM GO THIS FAR UNLESS THEY THOUGHT THEY MIGHT BE SUED.
HOPEFULLY THEY WILL SEE THINGS MY WAY, BUT I DOUBT IT SINCE THE INSURANCE CO. IS PAYING THEM...

[Taz]

Try this site http://www.napia.com, National Association of Public Insurance Adjusters. Also try a internet search using Public Insurance Adjusters Boats or Marine.

This applies to more than insurance claims, if they get a lawyer you get a lawyer, if they get an engineer you get an engineer, if they get an adjuster you get an adjuster. I bet if you get an adjuster on this claim you will see a whole new aditude from your insurance company.

[vinny p.]

Can you post a close up picture of the impeller?

[persuader22]

yeh i can get a picture on here of it. i will have to wait until this evening to retreive the waterpump from the mechanics. its being looked at by the engineers at 430pm this evening.

[Chris E]

plastic bags are common causes of engine failure in this neck of the woods. never heard of claim going that far that's complete BS. I don't no how it works in the US, but up here are insurance is through brokers. if you have a broker, i'd suggest you sit in their office until they get you paid. they have an interest in keeping your business.

again, if you live in the US i assume you have access to Chubb insurance. you want to talk about a good company to deal with. Adjusters sent out same day, we are paid almost immediatly. the insured pays through the nose for it but, when you have a claim they deliver huge! Their the only company i suggest when someone is looking for marine insurance.