Melbourne, Florida · Serving clients statewide

Monday to Friday, 8:00 AM to 4:00 PM  ·  Free consultation

Michael P. Sapourn, JD, CIC, CRM
Property & Storm Claims

Boat and Yacht Insurance Claims

The short answer

Hull insurers often deny claims by arguing the vessel was unseaworthy, a policy condition was broken or a navigation limit was exceeded. Michael Sapourn combines insurance policy expertise with legal research on maritime coverage to challenge boat and yacht claim denials.

Why boat and yacht claims are different

Boat and yacht insurance requires an understanding of insurance policy construction, maritime law and the unique policy conditions around a vessel’s seaworthiness. Mr. Sapourn pairs his background in insurance with focused legal research to make the strongest possible case for coverage when a hull insurer declares your loss “not covered.”

Protect your coverage before a loss

  • Follow the recommended maintenance guidelines for the hull and engines.
  • Keep and carry out the hurricane preparedness plan your insurer expects when a named storm threatens.
  • Respect any navigation or port restrictions on your policy, and make sure your agent knows when required repairs are completed.

The seaworthiness trap

At the moment a vessel sinks, it is arguably “unseaworthy.” Because nearly every hull policy requires the boat to remain seaworthy, the insurer’s investigation often focuses on why it failed to stay afloat, looking for grounds to deny the claim.

Injuries on the water

Boats and yachts can also be at the center of serious injuries. Know your policy’s limitations and exclusions for activities like skiing, wakeboarding and scuba diving, and make sure the vessel’s liability coverage will respond if an accident occurs.

If your boat or yacht claim has been denied, call Mr. Sapourn for a free consultation.

Frequently asked questions

Why do yacht insurers deny claims for unseaworthiness?

Most hull policies require the vessel to be kept seaworthy. When a boat sinks, insurers often investigate its prior condition and maintenance looking for a reason to deny. The specific policy wording and the facts matter a great deal.

Does my policy require a hurricane plan?

Many yacht policies expect a hurricane preparedness plan that must be carried out when a named storm threatens. Not following it can affect coverage.

Is injury from water sports covered?

It depends on the liability section of your policy. Some policies limit or exclude certain activities such as skiing, wakeboarding or scuba diving. Review your policy before the season starts.

Free consultation

Have Mike look at your situation

Share a few details and he will follow up with you personally. Attorneys looking for an expert witness can use the same form.

Sending this form does not create an attorney-client relationship. Please do not send confidential information until we confirm we can help.

Talk to a lawyer who knows how insurers think.

Tell Mike what happened with your claim or your agent. The first consultation is free, and you will speak with him directly.