Unfortunately the changes and problems started when Boat U.S. in 2007, and was exacerbated when coverage was transferred to GEICO (as opposed to CNA which used to issue the policies).
I made a VERY STRONG argument to them about a 18 months ago when I found out they had not pointed out the depreciation provision during the quoting process. This is clearly a violation of insurance ethics, as they have a DUTY to point out the shortcomings in their policy. If I got screwed by their depreciation rules, I would pursue an Errors and Omissions / Bad Faith claim against them. Yes, I am in the industry, Bruce Whitmore 1994 C&C 37/40+"Astralis" (847) 404-5092 (mobile) bwhitm...@sbcglobal.net
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