Insurance and Bog Damage

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Submitted by Elaine Fleskes

To Lake John property owners: I received an email from a member today that I felt everyone should know about. It was regarding bog damage to their dock, boat lift. The owner stated that their insurance wouldn’t pay for the damage because their insurance did not cover a bog hitting any of their personal property. For personal property, it has to fit into certain categories (named perils) and a bog is not one of them (examples would be fire, wind, vandalism etc.)

After contacting our insurance agent, I was told the same thing….we would not be covered if a bog did damage to our dock/lift. We could, however, be covered if we listed the equipment as optional inland marine coverage. (This would be the same thing if you had listed certain jewelry on your policy).). If you are interested in this coverage, contact your agent and tell them you are interested in the “optional inland marine coverage”…….do not list under personal property! There is a 30 day waiting period to take effect, so don’t wait until spring if you are interested in protecting your water equipment. Any questions, you can call Audrey Roth at 274-2030. She can answer any additional questions you might have for you to ask your agent.