long story short I filed a claim and recieved a check minus the deductible and also minus "less betterment"........I feel like it is complete crap as I was under the impression that I had full replacement value and so did my agent (who has done about hundred policys for me in real estate)........after calling him furious yesterday this was the email response I got this morning.......I already called BS and told him that I am prepared to sue and he is to get back to me today.....is the below statement complete BS.........I have been through every sheet of paper I have on file and all three "dec" pages (one per year boat is 2 yr 4 mo old) say nothing but "replacement"...........


"We talked to a few people yesterday to inquire. You have replacement cost coverage but it changes to ACV after 2 years for a brand new boat. This is standard with any boat policy in the industry. What we have to figure out is whether your boat is “really” 2 years old by the year/model. Will be on your back on this one."