How to File a Boat Insurance Claim

Navigating the process of filing a boat insurance claim can be overwhelming. However, knowing the steps involved can ease some of the anxiety and help you get the necessary compensation to repair or replace your vessel.

Guide to File a Claim for Boat Damage

The following is a guide to help you navigate the claims process efficiently:

• Document the damage. Proper documentation is crucial. Take clear photos and videos of the damage, surroundings and any parties involved. Gather any relevant reports, such as police or Coast Guard reports, if applicable.
• Submit your claim. Call your insurance company to submit your claim. Provide the necessary information, including your policy details and documentation of the damage. Your insurance company will assign a specialized claims representative to guide you through the process.
• Cooperate with the claims inspection and review the estimate. Your claims representative will schedule an inspection of your boat at a repair shop of your choice. An estimator will assess the damage and provide an estimate of the repair costs. Review the estimate with your claims representative to understand what repairs are covered and any out-of-pocket expenses you may incur.
• Schedule repairs. Once the estimate is approved, you can schedule the repairs at your chosen repair shop. Your insurance provider may recommend repair shops they have established relationships with.
• Communicate with your claims representative. Throughout the repair process, your claims representative will keep you updated on the progress. Verify that you have all necessary documents, such as the title and proof of ownership, to expedite the process.

Learn More

For boat insurance near you, contact Cornerstone Independent Insurance Agency LLC.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.