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In late January, the insurance companies informed Carman they would not be honoring his insurance claim because “your boat’s sinking was caused by your intentional acts … [and] the loss was not fortuitous or accidental.” The insurance companies contended Carman “potentially The Most Up-to-date Updates About Insurance Claims Help rendered his boat unsafe for operation” by removing one of the boat’s structural bulkheads and its trim tabs. In addition, Carman increased the risk by opening “four half-dollar sized holes in the hull near the waterline and attempted on his own to fill them, which was not satisfactory.” “Carman is not entitled to coverage … because the loss of his boat was caused intentionally by and/or with the knowledge of Carman,” noted the Jan. 27 filing. “Carman knew his boat was unseaworthy when it departed Ram Point Marina. The boat’s unseaworthy condition proximately caused its sinking. … Carman’s loss was not fortuitous because he had previously removed a structural bulkhead from the boat, because he had previously determined the boat’s ‘stuffing box wasn’t sealed to the hull properly,’ because he never determined the boat’s aft bilge pump functioned correctly, and because several hours before departing from Ram Point Marina he removed the boat’s trim tabs and thereby opened four half dollar sized holes in the hull near the waterline and did not fill them in a satisfactory fashion.” Carman, who lives in Vernon, was missing at sea for a week, after leaving with his mother, Linda Carman, 54, from Ram Point Marina, in South Kingstown, R.I., around midnight.

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