Stus-List Re: Insurance... what is to much?

[Matthew via CnC-List]

FYI, I switched to Progressive about two years ago for my 42.  I went through 
an insurance broker and did not deal with Progressive directly.  Not a word 
about my boat being too long.

 

From: Rick Brass via CnC-List  
Sent: Monday, June 27, 2022 7:35 PM
To: Stus-List 
Cc: Rick Brass 
Subject: Stus-List Re: Insurance... what is to much?

 

Imzadi was insured with Progressive for 3 years. Then they would not renew the 
policy. They explained that their coverage standards were limited to boats 
under 35 feet. To which I took exception because they knew it was 38 feet when 
they wrote the insurance policy and renewed it during the 2 successive years.

 

Guess their software used for quoting new business has been improved.

 

Rick Brass

 Imzadi

C&C 38 #47

Washington, NC

Stus-List Re: Insurance... what is to much?

[Matthew via CnC-List]

Aside from premium increases, the problem with Geico policies – as this list 
exposed – is the annual reduction of part replacement cost for older boats 
until you hit the 20% floor.  As I understand the issue, if I lose my mast and 
the replacement is, say $30K, Geico will pay $6K.  That is totally unacceptable.

 

From: Brian Davis via CnC-List  
Sent: Sunday, June 26, 2022 5:55 PM
To: C&c Stus List 
Cc: Brian Davis 
Subject: Stus-List Insurance... what is to much?

 

I have an insurance question for my fellow C&C'ers. My wife and I bought Nina 
(1980 Landfall 38) 6 years ago for $25k. I've had Geico Marine ever since for 
an insured value of $30k with a vanishing deductible that is now zero. I have 
since restored her to about 95% and tracked all my receipts in a spreadsheet 
totalling $45k. We are very happy with the result and the only remaining 2 
projects are a dodger/bimini and replacing the side plexi windows. 

 

I inquired with Geico Marine about increasing the coverage from $30k to $70k. I 
would first need to pay for a surveyor to inspect and write a report (I don't 
know how much this is). Then my rate would go from $1,759 to $2,372 per year.

 

I know this is a sliding scale based on the condition of each boat, and I'm 
cool with the money I've put into her so far since we love her. Nearly all of 
it is parts cost only because I am a skilled craftsman. Is $70k to much 
insurance, and is $2,372 to much to pay for it?

 

Would appreciate any thoughts and advice.

 

Regards, 

Brian

Stus-List Re: [EXTERNAL] Re: Insurance... what is to much?

[Della Barba, Joe via CnC-List]

I keep waiting for Progressive to get revealed as a huge scheme.
I was paying $700/yr. to Geico (nee BoatUS) for ONE boat and now I have all 
three of my boats on Progressive with better coverage for $700/yr. They had no 
issue with quoting a C&C 41 and I think their website states they go up to 50 
feet or so. I am also about to switch my car insurance to them, same deal, 
better coverage for less money. Not that I would actually try it, but my Boston 
Whaler is insured to go 100 miles offshore from Maine to Florida and so is the 
dinghy.
How do they do this?
I also wonder about the insured value, on the form to sign up it is whatever 
you say it is. I wonder if it has some algorithm to flag wildly inappropriate 
values. I swear I was being careful, but my $150,000 dinghy got loose and 
vanished. Darn the luck!


Joe Della Barba  Coquina

Stus-List Re: Insurance... what is to much?

[Novabraid via CnC-List]

When I purchased my insurance for Half Magic (Landfall 35) I reached out to a 
fellow sailor who has been a life long insurance agent (and son of a noted boat 
builder) and asked if he’d secure insurance for my boat to cover a range 
possible needs.  At the time I was more concerned about who I would call in the 
event of significant loss (we get the occasional hurricane and tropical storm 
up in Buzzards Bay) and I recall when TS Irene came up the coast damaging a 
number of boats owned by friends, this agent was at the docks at 7am the 
morning after the storm, arranging for transportation and repairs for the boat 
owners that had notified him.  Great customer service and all bases were 
covered.

So when I reached out to him, I listened to the coverages he recommended and 
took his advice on upping some coverage for things that I hadn’t considered to 
be important.  Given the age of the boat (1983) there weren’t as many companies 
willing to insure Half Magic and all required an extensive survey prior to 
securing coverage.  I was fine with that.  My surveyor owned a Landfall 38 at 
the time and he found a few items that required attention all of which were 
addressed and reported to the insurance company to get it into compliance.  And 
the insurance group that wound up giving me coverage was Hagerty which is 
underwritten by Essentia Insurance.  Hagerty specializes in insuring boats and 
cars that fall into the ”vintage” category and seem to have a good grasp on the 
differences between insuring a 5 year old Sea Ray and a 40 year old C&C.  They 
keep up on boat values because that’s what they specialize in.

About a year ago, my agent let me know that it would be wise to up the coverage 
on my boat because of the increases in labor and parts that boatyards were 
charging, not wanting me to be under insured if something happened. Also that 
replacing my boat would be more expensive because there was a lack of 
inventory.   The increase in the premium was nominal and my coverage was upped 
to $30K with a 10% deductible.

So my advice is to not always shop for the cheapest coverage, but to seek out 
an insurance professional that understands what type of coverage you require to 
protect your asset and keep you on the water.  Insurance is a racket but it 
helps to have someone looking out for your best interests.

Chuck Gilchrest

S/V Half Magic

1983 Landfall 35

From: Matthew via CnC-List  
Sent: Tuesday, June 28, 2022 9:24 AM
To: 'Stus-List' 
Cc: Matthew 
Subject: Stus-List Re: Insurance... what is to much?

 

Aside from premium increases, the problem with Geico policies – as this list 
exposed – is the annual reduction of part replacement cost for older boats 
until you hit the 20% floor.  As I understand the issue, if I lose my mast and 
the replacement is, say $30K, Geico will pay $6K.  That is totally unacceptable.

 

From: Brian Davis via CnC-List mailto:cnc-list@cnc-list.com> > 



 

Stus-List Re: [EXTERNAL] Re: Insurance... what is to much?

[Matthew via CnC-List]

FYI, I also have an 18 foot runabout insured with Progressive for about $200 
per year.

 

I did have a potential issue when I first switched the 42.  Based on my 
proposed agreed upon value of $50K, the application had to go to underwriting, 
and the broker said I may need a survey.  Underwriting then looked it over and 
decided a survey was unnecessary.  My broker opined that if my proposed value 
had been higher than $50K, the underwriter likely would have reached a 
different conclusion.

 

Matt

C&C 42 Custom 

 

From: Della Barba, Joe via CnC-List  
Sent: Tuesday, June 28, 2022 9:46 AM
To: Stus-List 
Cc: Della Barba, Joe 
Subject: Stus-List Re: [EXTERNAL] Re: Insurance... what is to much?

 

I keep waiting for Progressive to get revealed as a huge scheme.

I was paying $700/yr. to Geico (nee BoatUS) for ONE boat and now I have all 
three of my boats on Progressive with better coverage for $700/yr. They had no 
issue with quoting a C&C 41 and I think their website states they go up to 50 
feet or so. I am also about to switch my car insurance to them, same deal, 
better coverage for less money. Not that I would actually try it, but my Boston 
Whaler is insured to go 100 miles offshore from Maine to Florida and so is the 
dinghy. 

How do they do this? 

I also wonder about the insured value, on the form to sign up it is whatever 
you say it is. I wonder if it has some algorithm to flag wildly inappropriate 
values. I swear I was being careful, but my $150,000 dinghy got loose and 
vanished. Darn the luck!

 

 

Joe Della Barba  Coquina

Stus-List Yanmar 2 GMF

[Robert Abbott via CnC-List]

Prop is cleanshouldn't matter if the prop is dirty, the engine won't 
rev above 2,100 RPM's when in neutral.


On 2022-06-27 12:32 p.m., Korbey Hunt wrote:

Is the prop clean?

Get Outlook for Android 

*From:* Robert Abbott via CnC-List 
*Sent:* Monday, June 27, 2022 5:58:50 AM
*To:* Josh ; Stus-List 
*Cc:* Robert Abbott 
*Subject:* Stus-List Yanmar 2 GMF
Josh:

Revived the engine at the slip out of gear (neutral)same result, 
tack goes up to +2,100  RPM's .providing more throttle does not 
increase the RPM's.   Pretty sure the tack is working just from the 
sound of the engine and maximum hull speed it could attain (maybe 4 knots)


Yes, getting black smoke especially just after starting the engine and 
reviving it a bitthen it stops.


Boat can not motor up to hull speed right now at 2,100 RPM's.

All good tips and very helpful however I am leaving it in the hands of 
the marine mechanic.  I asked him to address this problem and give the 
engine a thorough inspection.  He said he would get to it 
today.fingers crossed.


Rob

On 2022-06-26 11:50 p.m., Josh wrote:
You should also try to rev the engine with it out of gear.  If it has 
the same problem of reaching full RPM then fuel and air delivery are 
nearly to only possible culprits.


A bad or weak governor spring would be indicated by an engine that 
has a tendency to over speed or hunt.  Pulling the throttle faster 
applies pressure to open the fuel rack and provide more fuel.  More 
fuel create more RPM and the governor the creates a feedback force 
that resists the fuel rack.  The governor tries to slow the engine 
whereas the throttle tries to speed it up.  Without the governor the 
engine will tend to race, have high RPM, limited throttle control, 
and is lively to overspreed.


When you get to 2100 RPM do you get heave black smoke?  If you do the 
engine is getting plenty of fuel but not enough air.  Have you 
checked or simply removed the air cleaner?  When was the last time 
the backlash was checked on the lifters.  I can walk you through it 
if you don't know.


If you're not getting black smoke, are you getting any change in smoke?

Are you getting a correlating loss of power or stumbling?  Or is it 
just not going faster?  Was it not able to push the boat at normal 
full speed.  Are you confident in the accuracy of the RPM gage.  You 
can get a laser tach from Amazon for less than $20 to confirm the RPM.


As the high pressure fuel pump and fuel injectors age they have 
springs that get weak.  Weak pump springs will allow the tappets to 
"float" and not achieve a full intake stroke of fuelcausing a low 
fuel condition resulting in lower RPM.  If the injectors are dirty or 
have weak springs they won't achieve full fuel pressure before 
injection and may even leak a small amount into the cylinder before 
TDC.  This is probably good more likely to cause detonation (ping or 
knock), not exacly low RPM but none the less is sub optimum operation.


Have you checked the oil for fuel dilution?  The fuel lift pump is 
driven off a cam and if the diaphragm cracks or tears it will leak 
fuel into the crank case.  This may also let crankcase pressure into 
the high pressure fuel pump...reducing fuel delivery and RPM.  Pull 
the dip stick, drop some oil on a paper towel.  Smell it for diesel 
smell. Wait and observe for a halo.  Especially if you have red 
diesel the halo is seen as the clearish red halo around the black oil 
spot.


If all of that checks.  Then you need to get a little more invasive.  
A compression check is in order.  I can walk you through it and 
provide parts(tools).  It is definitely doable as DIY but you got 
some investigation to do first. Let me know.  Reach out with a PM and 
we can talk.


Josh Muckley
S/V Sea Hawk
1989 C&C 37+
Solomons, MD

Jun 26, 2022 09:39:09 Robert Abbott via CnC-List 
 :



Went to take the boat out Friday for a short sail .motoring
out heading into a12 knt breezestarted to increase the RPM's
and found the engine wouldn't rev about 2,100 RPM's marine
diesel's are not supposed to be that complicated but they are to
me.  I wouldn't know where to start to trouble shootgetting a
mechanic to deal with it this week.  I spoke to him and told him
the situation and he thinks it is a fuel problemengine not
getting enough fuelmy fuel tank and fuel should be clean as I
had the bottom of it replaced 2 years ago and the 2 fuel filters
replaced. He thinks one or both of the filters are restricting
the fuel flow.I hope he is right but I don't think so.

Possibly many are causesrestricted fuel injectors, fuel pump,
etc.  the engine has never been serviced in the 16 years I
have had the boat

Any insight or guidance to help greatly appreciated.

Rob Abbott
AZURA
C&C

Stus-List Re: [EXTERNAL] Re: Insurance... what is to much?

[Jeffrey A. Laman via CnC-List]

Boat insurance is always a lively topic on the list!  I have resisted 
participating, but wanted to offer a few more philosophical type thoughts.

As all of us know, getting insurance quotes for anything -- car, house, boat, 
life, will result in a very wide range of premiums.  Usually, the policies are 
not identical either making a comparison difficult.  It's a good idea to get 
several quotes for insurance every five years or so.

Before purchasing insurance, be clear about why insurance is being purchased 
and what is being protected.  Most financial advisors will promote insurance as 
a protection against catastrophe.  That will result in the most reasonable 
insurance cost and balances risk (risk = probability x consequence).  Many 
consumers want to insure against any and all loss.  That raises premiums 
dramatically because, for the insurance co. the probability of a claim is high 
now, but maybe the peace of mind is worth it to some.

As has been mentioned before, the liability coverage is absolutely necessary 
and the most important part of the insurance -- boat, car, home.

Insurance premiums for automobiles are closely related to the insureds credit 
rating.  This is permitted and there is a very close correlation between how 
someone handles finances and how they handle risks in life.  I don't know, but 
expect, boat insurance is similarly connected to credit rating.

I'd offer this about the $70k agreed value, 42-yr-old C&C Landfall, not to pick 
on that boat or owner, but it is very illustrative.  The owner is wanting to 
protect against any loss.  And the premium is high, as would be expected.  In 
10 years, the owner will likely have paid $30k in insurance premiums given rate 
increases.  A 52-yr-old C&C38 (ten years from now) in top condition might be 
sold for $30k to $40k. Something to think about.

My premium for a '81 C&C34 in above average condition and agreed value of $27k 
(now too high really after 5 years) is less than $220 per year.  That doesn't 
mean a lot to anyone unless we go through all the details of the policy, but 
the boat and I are covered for the worst -- liability, environmental damage, 
loss of boat.  In nearly 50 years of owning and insuring boats, I have never 
made a claim.

Jeff Laman
'81C&C34 Harmony
Ludington, MI

From: Della Barba, Joe via CnC-List 
Sent: Tuesday, June 28, 2022 9:45 AM
To: Stus-List 
Cc: Della Barba, Joe 
Subject: Stus-List Re: [EXTERNAL] Re: Insurance... what is to much?


I keep waiting for Progressive to get revealed as a huge scheme.

I was paying $700/yr. to Geico (nee BoatUS) for ONE boat and now I have all 
three of my boats on Progressive with better coverage for $700/yr. They had no 
issue with quoting a C&C 41 and I think their website states they go up to 50 
feet or so. I am also about to switch my car insurance to them, same deal, 
better coverage for less money. Not that I would actually try it, but my Boston 
Whaler is insured to go 100 miles offshore from Maine to Florida and so is the 
dinghy.

How do they do this?

I also wonder about the insured value, on the form to sign up it is whatever 
you say it is. I wonder if it has some algorithm to flag wildly inappropriate 
values. I swear I was being careful, but my $150,000 dinghy got loose and 
vanished. Darn the luck!





Joe Della Barba  Coquina

Stus-List Re: Yanmar 2 GMF

[Jeff Nelson via CnC-List]

So that pretty much narrows it down to Fuel or exhaust.  Have you 
checked your mixing elbow to ensure it
is clear?  Restriction would certainly keep the revs from going up. 
After that it likely gets expensive in
either fuel supply (high pressure pump/low pressure pump) or injector 
issues.


--
Cheers,
  Jeff Nelson
  Muir Caileag
  C&C 30 - 549
  Armdale Y.C.



On 2022-06-28 11:10, Robert Abbott via CnC-List wrote:
Prop is cleanshouldn't matter if the prop is dirty, the engine 
won't rev above 2,100 RPM's when in neutral.


On 2022-06-27 12:32 p.m., Korbey Hunt wrote:

Is the prop clean?

Get Outlook for Android 

]


Jun 26, 2022 09:39:09 Robert Abbott via CnC-List 
 :



Went to take the boat out Friday for a short sail .motoring
out heading into a12 knt breezestarted to increase the RPM's
and found the engine wouldn't rev about 2,100 RPM's marine
diesel's are not supposed to be that complicated but they are to
me.  I wouldn't know where to start to trouble shootgetting
a mechanic to deal with it this week.  I spoke to him and told
him the situation and he thinks it is a fuel problemengine
not getting enough fuelmy fuel tank and fuel should be clean
as I had the bottom of it replaced 2 years ago and the 2 fuel
filters replaced. He thinks one or both of the filters are
restricting the fuel flow.I hope he is right but I don't
think so.

Possibly many are causesrestricted fuel injectors, fuel
pump, etc.  the engine has never been serviced in the 16
years I have had the boat

Any insight or guidance to help greatly appreciated.

Rob Abbott
AZURA
C&C 32 - #277
Halifax, N.S.

Stus-List Re: Insurance... what is to much?

[Brian Davis via CnC-List]

I was unaware of this.  Really appreciate it.

On Tue, Jun 28, 2022 at 9:25 AM Matthew via CnC-List 
wrote:

> Aside from premium increases, the problem with Geico policies – as this
> list exposed – is the annual reduction of part replacement cost for older
> boats until you hit the 20% floor.  As I understand the issue, if I lose my
> mast and the replacement is, say $30K, Geico will pay $6K.  That is totally
> unacceptable.
>
>
>
> *From:* Brian Davis via CnC-List 
> *Sent:* Sunday, June 26, 2022 5:55 PM
> *To:* C&c Stus List 
> *Cc:* Brian Davis 
> *Subject:* Stus-List Insurance... what is to much?
>
>
>
> I have an insurance question for my fellow C&C'ers. My wife and I bought
> Nina (1980 Landfall 38) 6 years ago for $25k. I've had Geico Marine ever
> since for an insured value of $30k with a vanishing deductible that is now
> zero. I have since restored her to about 95% and tracked all my receipts in
> a spreadsheet totalling $45k. We are very happy with the result and the
> only remaining 2 projects are a dodger/bimini and replacing the side plexi
> windows.
>
>
>
> I inquired with Geico Marine about increasing the coverage from $30k to
> $70k. I would first need to pay for a surveyor to inspect and write a
> report (I don't know how much this is). Then my rate would go from $1,759
> to $2,372 per year.
>
>
>
> I know this is a sliding scale based on the condition of each boat, and
> I'm cool with the money I've put into her so far since we love her. Nearly
> all of it is parts cost only because I am a skilled craftsman. Is $70k to
> much insurance, and is $2,372 to much to pay for it?
>
>
>
> Would appreciate any thoughts and advice.
>
>
>
> Regards,
>
> Brian
>


-- 
Brian Davis
Brian W Davis Inc
(954) 892-1128

Stus-List Re: Insurance... what is to much?

[Matthew via CnC-List]

IMHO, even though used boat values are currently low, the agreed upon value 
should be sufficient to replace the mast and related incidentals (boom, 
shrouds, any deck/hull damage) so the boat isn’t totaled in the event of a 
dismasting.  Although my boat’s in good condition with numerous upgrades, I 
don’t think I could get $50K for her.  Indeed, I paid less than that 10 years 
ago.

 

From: Brian Davis via CnC-List  
Sent: Tuesday, June 28, 2022 10:28 AM
To: Stus-List 
Cc: Brian Davis 
Subject: Stus-List Re: Insurance... what is to much?

 

I was unaware of this.  Really appreciate it.

 

On Tue, Jun 28, 2022 at 9:25 AM Matthew via CnC-List mailto:cnc-list@cnc-list.com> > wrote:

Aside from premium increases, the problem with Geico policies – as this list 
exposed – is the annual reduction of part replacement cost for older boats 
until you hit the 20% floor.  As I understand the issue, if I lose my mast and 
the replacement is, say $30K, Geico will pay $6K.  That is totally unacceptable.

Stus-List Re: Insurance... what is to much?

[Brian Davis via CnC-List]

A ton of really good input on this topic.  I sincerely appreciate and value
all of it, as well as everyone on this list very much.  Thank you!

Best regards,
Brian

On Tue, Jun 28, 2022 at 10:35 AM Matthew via CnC-List 
wrote:

> IMHO, even though used boat values are currently low, the agreed upon
> value should be sufficient to replace the mast and related incidentals
> (boom, shrouds, any deck/hull damage) so the boat isn’t totaled in the
> event of a dismasting.  Although my boat’s in good condition with numerous
> upgrades, I don’t think I could get $50K for her.  Indeed, I paid less than
> that 10 years ago.
>
>
>
> *From:* Brian Davis via CnC-List 
> *Sent:* Tuesday, June 28, 2022 10:28 AM
> *To:* Stus-List 
> *Cc:* Brian Davis 
> *Subject:* Stus-List Re: Insurance... what is to much?
>
>
>
> I was unaware of this.  Really appreciate it.
>
>
>
> On Tue, Jun 28, 2022 at 9:25 AM Matthew via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
> Aside from premium increases, the problem with Geico policies – as this
> list exposed – is the annual reduction of part replacement cost for older
> boats until you hit the 20% floor.  As I understand the issue, if I lose my
> mast and the replacement is, say $30K, Geico will pay $6K.  That is totally
> unacceptable.
>
>

-- 
Brian Davis
Brian W Davis Inc
(954) 892-1128

Stus-List Re: Yanmar 2 GMF

[Jeff Nelson via CnC-List]

I guess there is one other low cost possibility...your throttle cable is 
somehow jamming now permitting
it to open to full throttle.  Fairly low chance that is it, but worth 
checking before you start ripping expensive
bits a part.  You can disconnect the throttle cable and push/pull the 
throttle by hand to see if it changes

anything.

On 2022-06-28 11:13, Jeff Nelson via CnC-List wrote:
So that pretty much narrows it down to Fuel or exhaust.  Have you 
checked your mixing elbow to ensure it
is clear?  Restriction would certainly keep the revs from going up.  
After that it likely gets expensive in
either fuel supply (high pressure pump/low pressure pump) or injector 
issues.


--
Cheers,
   Jeff Nelson
   Muir Caileag
   C&C 30 - 549
   Armdale Y.C.


On 2022-06-28 11:10, Robert Abbott via CnC-List wrote:
Prop is cleanshouldn't matter if the prop is dirty, the engine 
won't rev above 2,100 RPM's when in neutral.


On 2022-06-27 12:32 p.m., Korbey Hunt wrote:

Is the prop clean?

Get Outlook for Android 

]


Jun 26, 2022 09:39:09 Robert Abbott via CnC-List 
 :



Went to take the boat out Friday for a short sail .motoring
out heading into a12 knt breezestarted to increase the
RPM's and found the engine wouldn't rev about 2,100 RPM's
marine diesel's are not supposed to be that complicated but
they are to me.  I wouldn't know where to start to trouble
shootgetting a mechanic to deal with it this week.  I spoke
to him and told him the situation and he thinks it is a fuel
problemengine not getting enough fuelmy fuel tank and
fuel should be clean as I had the bottom of it replaced 2 years
ago and the 2 fuel filters replaced. He thinks one or both of
the filters are restricting the fuel flow.I hope he is
right but I don't think so.

Possibly many are causesrestricted fuel injectors, fuel
pump, etc.  the engine has never been serviced in the 16
years I have had the boat

Any insight or guidance to help greatly appreciated.

Rob Abbott
AZURA
C&C 32 - #277
Halifax, N.S.









--
Cheers,
  Jeff Nelson
  Muir Caileag
  C&C 30 - 549
  Armdale Y.C.

Stus-List Re: Yanmar 2 GMF

[David Risch via CnC-List]

It might have already been saidbut a clogged fuel pick-up in tank can cause 
all manner of gremlins.

From: Jeff Nelson via CnC-List 
Sent: Tuesday, June 28, 2022 10:46 AM
To: cnc-list@cnc-list.com
Cc: Jeff Nelson 
Subject: Stus-List Re: Yanmar 2 GMF

I guess there is one other low cost possibility...your throttle cable is 
somehow jamming now permitting
it to open to full throttle.  Fairly low chance that is it, but worth checking 
before you start ripping expensive
bits a part.  You can disconnect the throttle cable and push/pull the throttle 
by hand to see if it changes
anything.
On 2022-06-28 11:13, Jeff Nelson via CnC-List wrote:
So that pretty much narrows it down to Fuel or exhaust.  Have you checked your 
mixing elbow to ensure it
is clear?  Restriction would certainly keep the revs from going up.  After that 
it likely gets expensive in
either fuel supply (high pressure pump/low pressure pump) or injector issues.



--

Cheers,

  Jeff Nelson

  Muir Caileag

  C&C 30 - 549

  Armdale Y.C.

On 2022-06-28 11:10, Robert Abbott via CnC-List wrote:
Prop is cleanshouldn't matter if the prop is dirty, the engine won't rev 
above 2,100 RPM's when in neutral.
On 2022-06-27 12:32 p.m., Korbey Hunt wrote:
Is the prop clean?

Get Outlook for 
Android

]

Jun 26, 2022 09:39:09 Robert Abbott via CnC-List 
:

Went to take the boat out Friday for a short sail .motoring out heading 
into a12 knt breezestarted to increase the RPM's and found the engine 
wouldn't rev about 2,100 RPM's marine diesel's are not supposed to be that 
complicated but they are to me.  I wouldn't know where to start to trouble 
shootgetting a mechanic to deal with it this week.  I spoke to him and told 
him the situation and he thinks it is a fuel problemengine not getting 
enough fuelmy fuel tank and fuel should be clean as I had the bottom of it 
replaced 2 years ago and the 2 fuel filters replaced. He thinks one or both of 
the filters are restricting the fuel flow.I hope he is right but I don't 
think so.

Possibly many are causesrestricted fuel injectors, fuel pump, etc.  the 
engine has never been serviced in the 16 years I have had the boat

Any insight or guidance to help greatly appreciated.

Rob Abbott
AZURA
C&C 32 - #277
Halifax, N.S.








--

Cheers,

  Jeff Nelson

  Muir Caileag

  C&C 30 - 549

  Armdale Y.C.

Stus-List Re: Insurance... what is to much?

[David Risch via CnC-List]

It is worth repeating, if your policy has a replacement depreciation schedule 
your screwed with an older boat (20% of replacement costs on my 1981 before I 
switched).

From: Brian Davis via CnC-List 
Sent: Tuesday, June 28, 2022 10:39 AM
To: Stus-List 
Cc: Brian Davis 
Subject: Stus-List Re: Insurance... what is to much?

A ton of really good input on this topic.  I sincerely appreciate and value all 
of it, as well as everyone on this list very much.  Thank you!

Best regards,
Brian

On Tue, Jun 28, 2022 at 10:35 AM Matthew via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
IMHO, even though used boat values are currently low, the agreed upon value 
should be sufficient to replace the mast and related incidentals (boom, 
shrouds, any deck/hull damage) so the boat isn’t totaled in the event of a 
dismasting.  Although my boat’s in good condition with numerous upgrades, I 
don’t think I could get $50K for her.  Indeed, I paid less than that 10 years 
ago.

From: Brian Davis via CnC-List 
mailto:cnc-list@cnc-list.com>>
Sent: Tuesday, June 28, 2022 10:28 AM
To: Stus-List mailto:cnc-list@cnc-list.com>>
Cc: Brian Davis mailto:brianwdavis...@gmail.com>>
Subject: Stus-List Re: Insurance... what is to much?

I was unaware of this.  Really appreciate it.

On Tue, Jun 28, 2022 at 9:25 AM Matthew via CnC-List 
mailto:cnc-list@cnc-list.com>> wrote:
Aside from premium increases, the problem with Geico policies – as this list 
exposed – is the annual reduction of part replacement cost for older boats 
until you hit the 20% floor.  As I understand the issue, if I lose my mast and 
the replacement is, say $30K, Geico will pay $6K.  That is totally unacceptable.


--
Brian Davis
Brian W Davis Inc
(954) 892-1128

Stus-List Re: Yanmar 2 GMF

[Hoyt, Mike via CnC-List]

Hi Bob

There is a governor on the 2 and 3GM motors that can reduce or shut off fuel 
flow.  This happened on Persistence in 2015.  If it is not a fuel problem 
remember that there are three controls that affect fuel flow: Throttle, Fule 
shutoff knob, governor.  Is it possible that one of these three is limited in 
some way?

You can likely tell if it the engine stop knob by pushing the lever that 
attaches to on the side of the engine, same for a throttle cable problem.  I 
cant recall off the top of my head if you can tell if the governor lever is 
stuck without tearing stuff apart

Mike

From: Jeff Nelson via CnC-List 
Sent: June 28, 2022 11:46 AM
To: cnc-list@cnc-list.com
Cc: Jeff Nelson 
Subject: Stus-List Re: Yanmar 2 GMF

I guess there is one other low cost possibility...your throttle cable is 
somehow jamming now permitting
it to open to full throttle.  Fairly low chance that is it, but worth checking 
before you start ripping expensive
bits a part.  You can disconnect the throttle cable and push/pull the throttle 
by hand to see if it changes
anything.
On 2022-06-28 11:13, Jeff Nelson via CnC-List wrote:
So that pretty much narrows it down to Fuel or exhaust.  Have you checked your 
mixing elbow to ensure it
is clear?  Restriction would certainly keep the revs from going up.  After that 
it likely gets expensive in
either fuel supply (high pressure pump/low pressure pump) or injector issues.



--

Cheers,

  Jeff Nelson

  Muir Caileag

  C&C 30 - 549

  Armdale Y.C.

On 2022-06-28 11:10, Robert Abbott via CnC-List wrote:
Prop is cleanshouldn't matter if the prop is dirty, the engine won't rev 
above 2,100 RPM's when in neutral.
On 2022-06-27 12:32 p.m., Korbey Hunt wrote:
Is the prop clean?

Get Outlook for Android

]

Jun 26, 2022 09:39:09 Robert Abbott via CnC-List 
:

Went to take the boat out Friday for a short sail .motoring out heading 
into a12 knt breezestarted to increase the RPM's and found the engine 
wouldn't rev about 2,100 RPM's marine diesel's are not supposed to be that 
complicated but they are to me.  I wouldn't know where to start to trouble 
shootgetting a mechanic to deal with it this week.  I spoke to him and told 
him the situation and he thinks it is a fuel problemengine not getting 
enough fuelmy fuel tank and fuel should be clean as I had the bottom of it 
replaced 2 years ago and the 2 fuel filters replaced. He thinks one or both of 
the filters are restricting the fuel flow.I hope he is right but I don't 
think so.

Possibly many are causesrestricted fuel injectors, fuel pump, etc.  the 
engine has never been serviced in the 16 years I have had the boat

Any insight or guidance to help greatly appreciated.

Rob Abbott
AZURA
C&C 32 - #277
Halifax, N.S.








--

Cheers,

  Jeff Nelson

  Muir Caileag

  C&C 30 - 549

  Armdale Y.C.

Stus-List Re: Insurance... what is to much?

[Dennis C. via CnC-List]

Here's another perspective.  Property insurance and liability insurance are
two different scenarios.

I view liability insurance as protection for my assets and estate.
Liability claims are less frequent but can be enormous.  I carry a
significant amount of liability insurance.

Property insurance, to me, is more like gambling.  The amount of loss is
limited by the value of the property insured.  One can carry less or no
coverage and rationalize the reduced or saved premiums as a hedge against
the cost of damages.

Here's a real life example.  I live in Louisiana where flooding occurs
frequently.  When I bought my house in 1981, it was not in a flood zone.  I
cancelled the flood insurance on the house.  The premiums were about $250
annually.  After Hurricane Katrina in 2005, the flood maps were redrawn and
my house was just barely in the flood zone.  I continued to decline flood
insurance and the now $1200 annual premium.  A few years ago, the maps were
again redrawn and the annual premium increased to $2600!!

Our house flooded last year as a result of a freak "rain bomb" (12-15
inches in 3 hours!).  By this time, I estimated I had about $25K in flood
insurance premiums "in my pocket".  Although the Admiral and I spent quite
a bit more than $25 to rebuild the house, much of the cost was upgrades and
improvements that we had been talking about for years.  My guess is that
the real cost to repair only the flood damage (drywall, insulation,
flooring) was about a break even.  How much was 25 year old carpet worth,
anyway?  :)

In hindsight, would I do it again?  Yes.

This year, flood insurance premiums have again been recalculated.  My
premium, including contents, dropped to $680 from $2600.  It's now worth it.

Gamble on property, not liability.  I have several boating friends that
carry liability only on their boats.

--
Dennis C.
Touche' 35-1 #83
Mandeville, LA

Stus-List Operation Manual for Yanmar GM-HM Series Free

[Glenn Henderson via CnC-List]

I found an Operation Manual for a  Yanmar GM-HM Series engine. at a
nautical flea market for a dollar. If anyone wants it, send me a shipping
label and it is yours.

Glenn Henderson
1809 SE 14th St.
Cape Coral, FL 33990
ghe...@gmail.com

C&C 41
We Go

>
>
>
>

Stus-List Yanmar 2 GMF

[Robert Abbott via CnC-List]

While I awaited another day for a marine mechanic to get around to 
addressing my engine problem, while on the boat today, I thought of 
something.    I had a new Yanmar air filter on the boat which I got last 
year, which I thought what harm could a new air filter dochanged out 
the old one and replaced with new one, and guess what, in neutral, the 
engine revived up to 3,400 before i stoppedran the engine in forward 
gear at the slip for another 20 minutes shut the engine 
off...started again...revved up and downengine works as it should.


The problem was a lack of airexplains where the smoke was coming 
fromincomplete combustion...now, with the new air filter, no smoke.


Thanks to everyone for thoughts/possibilities of what might be the cause 
of my engine issue.


Going for a sail tomorrow.

Rob Abbott
AZURA
C&C 32 - #277
Halifax, N.S.