Filing insurance claims may not be the top priority when purchasing a fishing boat, sailing boat, or speed boat. You probably think of water pleasure, fun with friends and family, and maybe catch some fish.
If your boat spends more time on the water, at the dock, or in a storage facility, it risks damage, theft, and other accidents. Knowing how to make fire insurance claims for marine & boats when the unforeseen arises gives you peace of mind.
If you’re involved in a water crash or another boat causes damage to your property, you, or your passengers, there are several steps you’ll need to take to file a boat insurance claim.
- Naturally, the first move following an accident is to treat any injuries and notify authorities if you believe there is any need to file a police report.
- After you have resolved any urgent concerns, take the following steps to plan for the claims process:
- Report the boat incident and any damage as soon as possible. Take videos, make notes of something you can forget, and tell the police what happened.
- If there’s a police report, make sure to get the insurance company a copy of the report.
Unfortunately, while the damages will appear the same regardless of source, the fire’s causes and circumstances may become painfully significant during the insurance claim settlement.
Any losses can be exempt in particular conditions, depending on the coverage carried. In some instances, policyholders can involve a legal professional to scrutinize their fire policies and evaluate their rights.