Filing a boat insurance claim
3 tips to ensure your claim goes smoothly
Follow these tips when you have to file a recreational boat insurance claim so you can get the boat back on the water as soon as possible.
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- Don’t wait. If you get in an accident, notice a theft or see other damage, always call your insurance company as soon as practically possible. If you are on the fence about whether you want to file a claim, it’s still a good idea to call your insurer immediately. Letting your boat insurer know quickly can help speed the claims process later as they will already have basic information on file. Also ensure your current insurance company offers 24/7 claims reporting.
- Be photo happy. If you have an accident, take lots of pictures. They can help support swift processing of your claim by your boat’s insurance company. Many insurers make it easy to electronically send in photos of damage, and offer free apps. It also pays to take photos of your boating equipment and personal effects. In the event of a loss, they’ll prove ownership and help to establish value.
- Get an estimate. The major task for the boat owner is to get an estimate of the damage. It’s always good to know which boatyards, marinas or boating service providers are best in your area, so keep tabs. Word of mouth is one good way to know. Another is to check for credentials (ABYC Certified Technicians, manufacturer certifications). Having an established relationship with a yard will also help you get to the head of the line so you can get your estimate more quickly.