No Middleman Part 3: bank repo boats canada

Preparing the bank repo boats Canada for shipment is the responsibility of the consignee.

If it is done by the builder, he assumes responsibility in the event of damage if it is done im­properly.

The hauler can, however, refuse to haul a boat he deems improperly "packaged" or insist it be repack­ed to his satisfaction.

As with offloading, pragmatically most hauling firms build into their prices a reasonable amount of time for loading, but when it gets inordinate, it may appear on the final bill as a surcharge for which the consignee must pay. If charged, your only recourse is to go after the party in charge of preparing the boat.

Once loaded on the truck, the responsibility becomes the hauler's. He must see that the boat is—and re­mains—properly secured, that he does not submit it to excessive road hazards including potholes, thieves, er­rant drivers, low hanging limbs, fresh road tar, etc.

He is not responsible for acts of God, the reason why boats should have their own insurance coverage for shipment over the road. Boat haulers typically carry one of, or a combination of, two types of insurance. Either they have a carrier who underwrites them, typically for $100,000 to $200,000, or they may be self-insured, holding in escrow a comparable amount to cover claims. In some cases the trucking firm may use a com­bination, carrying self-insurance to the amount of a high deductible in order to keep expensive premiums to a minimum.

In any case, the hauler will seek an estimate of the cost of repairing damage, often using an appraiser for major claims. Of the bank repo boats Canada haulers we talked with, none under­take having the work done themselves. Instead, they may accept or negotiate on the basis of the estimate, and then pay the consignee directly. It is up to the owner to have the work done. The haulers may, however, do (or sub-contract) any shipping to and from the site where the work may be done or they may leave shipping up to the owner.

If the latter, shipping costs should be included in the settlement.

As with any insurance claim, two factors thus become crucial. The first is that the owner realize that he is wholly responsible for examining the boat instant to its arrival to determine whether there has in fact been any damage. It is better that this be done on the truck bed before off-loading. The examination should be thorough, for hidden damage as well as cosmetic. For example, a boat that has traveled with too much load on the poppets may have fiberglass tabbing torn loose in­side the hull behind the poppets.

Such a claim may be against the hauler for too rough a ride or against the builder who provided the cradle, but it should be reported before the boat is off-loaded so possible blame cannot be passed off on the yard that off-loads the bank repo boats Canada. The second factor is that, although the owner is responsible for finding any damage, he must also handle the matter properly if he does find some.

The recom­mended procedure is as follows: Point it out to the driver and, if possible, show him ex­actly what damage you have found. Don't try to assess blame, accusing him of anything; merely present him with information. Remember, unless he is an indepen­dent hauler working for himself, he can neither authorize any settlement nor make any binding recom­mendation.

• Phone the dispatcher or home office of the hauler and describe in detail the type and extent of the damage. If it is severe, the representative may authorize the driver to leave the boat on his rig until an appraiser can be sent to look at the problem. In such a situation you should not be charged for the idle time of the rig and driver; you may, however, be unable to recover for the delay if you I contracted for a crane and labor to off-load the boat. Sign nothing—notably the bill of lading—until you have clearly and completely itemized all the damage.

Your signature on the bill of lading transfers respon­sibility for damage from the trucker to you except for details you have spelled out on the bill above your signature. Note that after signing and off-loading you may find damage that could have been caused in tran­sit. You can subsequently make a claim. However, the burden of proving that the damage was caused during the haul rests with you and settlement would most like­ly be for the damage itself, not any subsequent liability. (For example, unrealized by you, the rudder was wrench­ed during trucking and, as a result, the boat sinks six months later; only a lawsuit—not a damage claim—could recover for loss of the vessel).

The builder (or those who prepared the boat for ship­ping) of the bank repo boats Canada should be routinely notified and given the same in­formation the hauling company receives. They too may want to send a representative to the site to establish whether the damage was the result of the preparation of the boat for which they are responsible (as the trucking firm may subsequently argue) or the fault of the trucker. Note that this procedure puts you, the owner/consignee, square in the middle between two parties doing their level best to cut their losses. At the same time, you have a warm regard for your own investment, a regard you may share only with family and close friends.

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