When you bought your boat, you likely invested in a boat insurance policy to help cover the cost of repairs should anything happen while you’re out on the water. Though no boat owner ever wants to use their insurance policy, accidents happen. When they do, you need to know how to file a claim to get the money you need for the repairs.
Speak to Your Insurance Agent
The first thing you need to do when filing a boat claim is to speak with your insurance agent. Let them know what happened so they can start the claim for you. When you speak with them, they’ll tell you what types of documentation they’ll need to process your claim and can answer any questions you might have about the process.
As soon as thy open the claim, your insurance provider will be able to send out an inspector to assess the damage and estimate an insurance payout to cover the damage. Keep in mind that you’re always free to get a second opinion if you feel that the settlement is too low.
Get the Damage Fixed
Once the insurance adjuster makes an estimate and you accept the check, you’re ready to take care of the repairs. Use the money given to you by the insurance company to get the damage fixed and you’ll be back on the water in no time.