Quote:
Originally Posted by upthesaukee
Insurance companies may cover damage to a permanent dock, but that is a double edged sword. One loss ok, multiple losses, say goodbye to your insurance policy; frequency of claims and/or excessive high claim cost. (Don't shoot me or yell at me just because I was an underwriter in personal lines insurance)
Seasonal docks, less susceptible to major damage. Better risk.
Dave
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I, too was a part of personal lines insurance (sales) for 25 years., Docks were excluded from ice damage in homeowner policies. I went on to other things 20 years ago, so maybe things have changed, but I doubt it. I agree with Upthesaukee's summary. If you had ice damage covered by insurance, I'd be interested to know when, what company, the type of policy, and what happened at renewal time. Personal experience only, please, not "my neighbor said".