Here’s the short of it:
We are putting her back together again. Clarity is currently in Antigua getting the final repairs from the dismasting done. When she’s ready, which will hopefully be in the next week or two, she will be practically brand new from the deck up. And most all costs are being covered by insurance. We couldn’t have asked for a better resolution.
Once the claim from the dismasting is fully closed, we will share more details about what caused it, and a whole host of information we learned as a result. We’ll also share some eye-opening best practices about how to file and handle an insurance claim. This process has been an education for sure.
Here’s the long of it:
I’ve started this post so many times, in my mind and at my computer, about what’s happened since the dismasting. So many things have happened, continue to happen, and with them come a whirlwind of emotions and life changes, some fluctuating dramatically throughout the course of a week, or even a day. I’ve struggled to even know how I feel about it all, much less how to write about it. But here are some of the facts.
When the boat was dismasted just after sunrise that morning back in March, it was the very definition of a traumatic event, for the reasons I shared in my emotional last post. But the event itself was just the beginning. What came next was the fallout, in pretty much every aspect of our life.
The most immediate issue was getting the claim filed. Our insurance company acted quickly, sending a surveyor out to our boat within a week to assess the damage and the cause. Then, gathering the required information for the claim became Aaron’s full-time job, as we determined that one point person would be most efficient. Regardless of whether or not the claim was processed, it was on us to reach out to local contractors, have them assess the boat, collect their quotes, and present their quotes to the insurance company in a clear and concise document. Oh, and these couldn’t just be from one contractor for each issue. There needed to be competitive quotes.
As a result of the dismasting, Clarity needed rigging, metalwork, fiberglass repairs, woodwork, deck painting, and more. You can imagine how many quotes that is. All collected on island time. It was a HUGE undertaking for Aaron, and that’s before we received any indication of if insurance would cover the repairs. With this much work involved, the costs would be substantial.
Another realization was the time it would take to get a new mast, which would be custom built and shipped from the manufacturer. Once the manufacturer received a deposit, in the many thousands of dollars, then we would be slotted into the schedule. So we had to wait until we received our first insurance payment to pay the deposit. At that point, the lead time was 3+ months from the date of order to delivery.
Even if everything moved along perfectly and we were covered, we realized our boat would be going nowhere until at least August. That was a huge change in thinking for us, as we had planned to get to Grenada by mid-May so Aaron could set up his marine electrical business there before the rush of hurricane season. Moving the boat before the repairs were done was an idea we quickly dismissed. Without the weight of the rig, the boat would be extremely uncomfortable in any seas, and if the engine failed during passage, we would have to abandon ship or hail for a rescue at sea, depending on how offshore we were. The risks were too great.
That also meant that Clarity would be “in the box” for at least part of hurricane season, which was definitely not desirable due to weather risks, and also the increased insurance premiums.
It all seemed so daunting, so exhausting, but Aaron and I tried to stay positive. I couldn’t even imagine the choices we would have to make as a family if insurance did not cover at least some, if not all, of the damage, so I held on tightly to the idea that they had to. And we both agreed – if insurance covers this, we put her back together again and continue on with our previous plan to get down to Grenada, as soon as the repairs were done and there was a safe weather window for passage. We were also very, very fortunate to be able to live safely on board at anchor while we waited to hear from our adjuster, and then waited for repairs to begin.
Once we got word that insurance was going to cover us, we knew we had crossed an incredible hurdle, and we’ve been continuing to celebrate that. Naturally, then the actual work started – signing with the chosen contractors, scheduling out the repairs, dealing with international wire transfers. Another full-time job for Aaron, with some impressive spreadsheets to keep six-figures of contracts straight.
Work started in mid-May, and we brought her to the dock for a month of in-water repairs. Mid-June, she was hauled out for work to continue in the yard. The yards there do not allow owners to live on board while the boat is on the hard, nor would we want to in that heat, and while workers needed uninterrupted access to pretty much all facets of the boat.
Plus, all of our cruising friends had sailed south by that point. It was a ghost town in Antigua. Not to mention, extended housing there is expensive. So, we flew back to the States. Our plan for the summer had always been to fly back for a Stateside visit, but for a few weeks in July. Given that the boat wouldn’t be splashed until mid-August, we prepared to leave our home for two full months.
Two months in the States was definitely not in the cruising budget, especially with Aaron’s marine electrical business necessarily put on hold. The financial impact of this dismasting, even with insurance, has been staggering. My steady contract gig also dried up unexpectedly in late May – yet another wrench in our plans.
Still, our time Stateside has been an incredible gift. Our friends and family welcomed us with open arms, housed us, fed us, even gave us one of their cars for the entirety of our visit. They’ve encouraged us and loved us and it’s been a pleasure to spend true, dedicated time with them, rather than trying to shoehorn in as much as we could in just a few short weeks. Claire was enrolled in some summer camps, and Aaron and I took advantage of travel vouchers for a once-in-a-lifetime trip to Thailand. It was something we had started planning before the dismasting, and something I was dedicated to doing as long as insurance came through for us.
Aaron has been working hard on the phone and emails every day to keep Clarity moving forward in our absence, and gathering everything needed to hit the ground running with his business when we do finally make it south. I was able to pick up some fresh contract work and dabble in selling some of my sea glass jewelry.
But our visit Stateside has also been incredibly challenging. We’ve been living out of backpacks and suitcases for more than eight weeks, enjoying our time but also feeling displaced, missing our home. Our life. Our rhythm. We are so ready to get back to that, even with knowing that getting back to Clarity is just the beginning, so many steps to go before we’re sitting calmly at anchor in Grenada.
We flew out of Antigua on June 15, and with the mast stepped this week and the vast majority of the boxes checked off, I just booked our flights back for this coming Tuesday, Aug. 20.
The dismasting has rattled us, shaken us up in every way imaginable, pushed us to our limits and then pushed more. But finally, we are starting to see the other side.
While relishing the convenience of being able to drive anywhere we wanted, whenever we wanted, I fell back into my old habit of cranking cheesy pop songs on the radio. I know they’re little more than catchy autotuned garbage, but one song I first heard a few months back has stuck with me, probably because it’s been so hard for me to process what I’ve been feeling. It’s called “The Bones,” by Maren Morris. Here’s what she says:
“We’re in the homestretch of the hard times
We took a hard left, but we’re alright
Yeah, life sure can try to put love through it, but
We built this right, so nothing’s ever gonna move it
When the bones are good, the rest don’t matter
Yeah, the paint could peel, the glass could shatter
Let it rain ’cause you and I remain the same
When there ain’t a crack in the foundation
Baby, I know any storm we’re facing
Will blow right over while we stay put
The house don’t fall when the bones are good.”