Markel Insurance Markel Insurance denial of Claim "UNSEAWORTHY " scam pewaukee Wisconsin

 BEWARE! I paid my policy premium for over 10 years to markel insurance and in that time i never submitted a claim. Juring super storm sandy i rode out the storm to protect my vessel. My 36 ft commercial fishing vessel sank in november 2013 and markel insurance sent their surveyor down to determine how it sank. After 3 inspections, Markel insurance stated that my vessel was " UNSEAWORTHY " before it sank, so my policy was "VOID" before my vessel sank. They based their denial of claim on the " UNSEAWORTHY " claus in my policy. Their surveyor found 2 rusted hose clamps in my bilge which they stated made my 36 foot commercial  fishing vessel "UNSEAWORTHY". " SEAWORTHY " is a claus in the policy with a very vague defenition. Markel insurance never returned any of my calls. They only sent me e-mails. Markel insurance never truly determined how my vessel sank, as a matter of fact, markel insurance asked me how it sank. I documented everything that showed what their surveyor stated was suspect, but markel insurance still refused to honor my claim. Markel insurance did not deal with me in good faith. As of this writing i am out $ 45,000 due to loss of my vessel and i am liable for the hauling, storage and salvage of my vessel. Total loss to me is over $65,000. Replacement cost for what i lost will cost me over $75,000 to get back into business. Markel insurance refused to cover the cost to me of hauling, storage and salvage.It should be noted it took Markel Insurance 2 months and 3 inspection to deny my claim. As for getting a lawyer and suing them, i do not have the funds to replace what i lost and shell out $25,000 to a lawyer to fight for me. Markel Insurance is very aware of what it costs to fight them, they have lawyers on staff for just this reason. As of this writing my bills are growing and the hard ship i am going thru is very tough. I reported everything to the BBB but they told me to get a lawyer. I am asking other state agencys, along with congresman and senators for help. I am not an educated man, most my life i have worked hard with hands and body. I will try to get someone to help me right this wrong that has been done to me. I am in the process to find a lawyer who will take my case on a contigency bases. Whatever the lawyer recovers we will split 50/50. I know in my heart what Markel Insurance did to me was wrong and they should be held responsible for all the costs related to the sinking of my vessel. They also should be held liable for the pain and suffering i am going thru. I wish i would of looked at Markel insurances record before i signed with them, i should of spoke to other commercial boat owners also. Most of the owners i spoke to after my vessel sank have travelers insurance. They all stated travelers insurance is a very good company. That is the company i will go thru if i ever get back into business again. I want to thank anyone who read this and please include me in your prayers, it is very tough for me and my family right now.