10 replies to this topic

[Sfritr]

Yesterday was a beautiful day. Air temps in teh mid 70s, water temps around 50, and just a perfect day to make my 2012 maiden voyage. Perfect, right up until I almost ripped off my lower unit on a stump or log going 50 mph across the lake.

It busted my skeg in half and cracked the housing halfway around the prop. Not sure if it did any damage to the internal parts. I'll take a few pics to post. NOT A HAPPY CAMPER.......

Question: Is this something covered under the boat insurance? I have never had this happen before so any info is greatly appreciated. BTW, engine is a 96 Johnson 150

[Siebert Outdoors]

This depends on what type of insurance you have. Only way to know is call your agent. Some things are. I know mechanical malfunctions mostly are not. In your instance it might be.

[Al Wolbach]

I hit a rock pile a couple of years ago. My insurance company paid for a new lower unit and a new prop, hull damage as well........................Al

[Sfritr]

Just got off the phone with State Farm. $250 dedeuctible and the rest is paid for. Hopefully, the damage won't be too severe. Although a new 150 optimax would be sweet LOL

[Al Wolbach]

Just got off the phone with State Farm. $250 dedeuctible and the rest is paid for. Hopefully, the damage won't be too severe. Although a new 150 optimax would be sweet LOL

You may get your wish, but you may not think to much of the value of you old motor. They may total your outboard if the lower unit needs to be replaced. New OMC lower unit will probably be $2500-$3500 and your outboard isn't worth that much I don't believe. Did it not get the prop?

You can purchase after market lower units but I know nothing about their quality, but their prices are a great deal lower.........................Al

[Sfritr]

Thats the odd part. It did nothing to the prop, not a nick on it. I run a stainless but I don't think it even came into contact with the object

[Sfritr]

Update:
Insurance will pay up to $7500 and the final total came to $3295.00 from Dry Dock Marine in Cincinnati.
Side Note: If you are in Cincinnati and need work done on your rig this is your place. Honest, affordable, reliable, quick. Tracy Hendrickson and his team got my quote in 48 hours and I have NEVER felt like I was given the run around for any repair.

All info given to the insurance company and I should be back on the water in a week or so. The made sure to run the prop to insure it was true. Great shop!!!

[Al Wolbach]

Update:
Insurance will pay up to $7500 and the final total came to $3295.00 from Dry Dock Marine in Cincinnati.
Side Note: If you are in Cincinnati and need work done on your rig this is your place. Honest, affordable, reliable, quick. Tracy Hendrickson and his team got my quote in 48 hours and I have NEVER felt like I was given the run around for any repair.

All info given to the insurance company and I should be back on the water in a week or so. The made sure to run the prop to insure it was true. Great shop!!!

Glad everything worked out well with your insurance company.

That marine repair shop can afford to be very nice. Their cost on that lower unit is $1500-$1800 dollars max. And they probably charged a labor charge to change it. Around 6 bolts and 15 minutes labor and another 15 minutes to install the prop. Usually around $100-$200, or $10 a minute. It takes longer to unbox a lower unit than it does to change it. But they do have to add a quart or so of lower unit oil. Not trying to rain on your parade but they are being paid quite handsomely. Around 40% proffit margin for an hours labor..............................Al

BTW- That lower unit should come with a new water pump, so if you change yours every year you can skip this year.

[Siebert Outdoors]

Good to hear everything work out for you.

[Sfritr]

Thanks for the info Al good to know

[Topwater Tony]

I've been to Dry Dock a couple of time too for smaller parts... I left feeling that it was a good company