What to Expect When Filing a Boat Insurance Claim

Boat insurance is a must-have for all boat owners to protect their investment against damage or accidents. However, filing a boat insurance claim can be a complex process. It is essential to understand what to expect when filing a boat insurance claim to ensure a smooth and hassle-free experience. In this article, we will discuss everything you need to know about what to expect when filing a boat insurance claim.

Assessing the Damage

The first step in filing a boat insurance claim is assessing the damage. If you have been involved in an accident, it is vital to ensure that everyone involved is safe and seek medical attention if necessary. Once everyone is safe, assess the damage to your boat. Take pictures of the damage, including the exterior and interior of the boat. If possible, take pictures of the accident scene as well. These pictures will serve as proof of the damage and help your insurance adjuster to assess the damage.

Contacting Your Insurance Company

After assessing the damage, you need to contact your insurance company. Your insurance company will assign an adjuster who will guide you through the claims process. Be prepared to provide details about the accident, including the time, date, and location of the accident. You will also need to provide the insurance company with the pictures you took of the damage.

Inspection of the Damage

Once you have contacted your insurance company, an adjuster will be assigned to inspect the damage to your boat. The adjuster will examine the exterior and interior of the boat and assess the extent of the damage. They will also consider the age and condition of the boat when determining the value of the damage. The insurance company may also have their own surveyor or inspector to assess the damage.

Repairing the Damage

After the inspection, the insurance adjuster will provide you with a repair estimate. You can use this estimate to get quotes from repair shops or choose one of the insurance company's preferred repair shops. If you choose a preferred repair shop, the insurance company will typically pay the shop directly. If you choose a repair shop that is not on the insurance company's preferred list, you may need to pay the shop upfront and then submit the receipts for reimbursement.

Settling the Claim

After the repairs have been completed, the insurance company will settle the claim. If the repairs cost less than the insurance policy's deductible, you will need to pay for the repairs out of pocket. If the repairs cost more than the deductible, the insurance company will cover the remaining cost. In some cases, the insurance company may choose to declare the boat a total loss if the repair costs exceed the boat's value.


Filing a boat insurance claim can be a stressful and overwhelming process. However, by understanding what to expect when filing a boat insurance claim, you can ensure a smooth and hassle-free experience. Remember to take pictures of the damage, contact your insurance company, and provide all necessary information to your adjuster. By following these steps, you can get your boat back on the water in no time.

Jerri Ament
Jerri Ament

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