You may have your home covered, your car covered, and your business covered by insurance to protect you from unforeseen circumstances, but do you have your boat covered? If you do, you could be eligible to receive payment should mishaps occur. If you are unaware of all the damages and accidents that your insurance covers, at American Premier Claims Consultants, we can help you to understand what payments you have a right to from your insurance company.
Florida is known for its sunny days, its boat life, and also its crazy weather. Rain, hurricanes, lightning, you name it, Florida has it and your boat is often in nature’s wild path.
At American Premier Claim Consultants, we are here to help you navigate the endless phone calls, the abundance of paperwork and documentation, all with the end goal of helping you to be able to have your boat as good as new once again.
What should I do if I’m involved in a boat accident?
After any boating incident it is important to contact police right away for official reports. Many times you think you won’t need police, but when it comes to filing an insurance claim you will definitely need official reports. Boat insurance claims are not easy to process but having the right documents will definitely work on your favor.
Types Of Insurance Claims
Remember adjusters work for you NOT the insurance company.
Do you have to have insurance on a boat in Florida?
This question is asked frequently, and the answer is yes. Every boat owner in Florida must have insurance for their vessel. The amount of coverage you need will vary depending on your state requirements. Each state has its own minimum limits that are required to be insured by law in the event of a boating accident or incident that causes damage to other vessels or damage to personal property, such as swim platforms and docks. These limits will also vary depending on the type of vessel you have.
How to get help with a marine insurance claim
Whether you own a large mega yacht, a small cruiser, a motor yacht, a fishing boat, or any type of water vessel, you can be covered by insurance and if you are, you may not realize how much it covers. You may also be the owner of a boating company or shipping company and this means that you are most likely covered by marine insurance. It also means that it is more than likely that you will face circumstances where you will need your insurance to come through for you as they are supposed to do.
To help give you an idea of what insurance should be providing you with, here are some examples of times where you should receive payment from your insurance:
- Wrecks
- Hurricane damage
- Water damage
- Theft
Just as unexpected things can happen to your home, so too can surprises pop up with your boat or yacht and these types of situations can be costly. Insurance policies on marine claims can be tricky and it may be challenging for you to know what you are entitled to and how you can go about winning your case and receiving payment for damages.
At American Premier Claim Consultants, we are here to take the stress out of the experience so your boat can get the repairs that it needs without causing you high levels of panic and despair. We are a top claim consultant company in Florida, where there are several boat owners and mishaps on the water on a regular basis. We have plenty of experience in this area and we are confident that we can work out the problem and ensure that your insurance company gives you what they promised to.
Hurricanes happen on a regular basis in Florida, as do storms, and since your boat is most likely out on the water, you can imagine how often it may be exposed to the elements. Many insurance companies offer good policies, but you may not be aware of all that they cover for you. We will analyze your case, assess the damage, and investigate what you have a right to and make sure that you get it.
Whether you transport cargo and containers and there are accidents at sea and during the vessel’s trip or your small yacht was recently broken into at the dock or your boat falls prey to piracy, you should be able to receive money from your insurance company.
When you face an unexpected situation with your boat or yacht and you find yourself at wit’s end with your insurance company, don’t despair, because, at American Premier Claim Consultants, we have you covered. Trust us to do what you cannot.
We have been providing quality marine insurance claims services since 2010 and will be happy to assist you with your claim.
Call us today for all your boat insurance claims at 844-313-3155
The following covers basic boat damage claims that are covered by insurance:
- Damage to your vessel caused by collision, fire, vandalism, sinking or stranding. This is the most common type of claim for boating accidents. If you collide with another vessel and cause injury to its passengers or damage to their property (dock, swim platform, etc.), your insurance will cover these damages under collision coverage. This same policy also applies if you collide with any other object, such as a buoy or jetty, and damage the boat.
- Damage caused by windstorm and hail is covered under comprehensive insurance protection. For example, if your vessel becomes damaged due to a storm that causes broken windows or damaged equipment on the boat.
- If you lose your boat and it is later found, your insurance will cover any damages to the vessel caused by theft under the comprehensive policy. – Damage caused by iceberg damage can be covered if you have iceberg coverage. This type of coverage is usually only offered in certain states and applies only to vessels that have been equipped to sail in higher latitudes.
- If the boat is rendered a complete loss, as determined by your insurance company, your vessel can be covered under total loss protection if you have this type of coverage.
Many states have additional local requirements that must also be met prior to being able to operate a vessel. It is important to know and understand all state and local laws in order to avoid fines or other penalties.
