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.