Owning a boat is all about the freedom of exploration, but when things take a wrong turn, it can be nice to have a sure heading to follow. Sadly, boat insurance doesn't always make it easy: Recovering from a disaster isn't guaranteed to be smooth sailing even if you were the one who was wronged.

From our Hollywood, Florida, headquarters, The Rain Law Firm team has spent 45 combined years ensuring that insurance actually works for those in need. We believe that insurers have more than enough lobbying, money and advocacy on their side, so our dedicated property insurance claim attorneys use the law to level the playing field for the consumers whom policies are supposed to protect.

Why Isn't Boat Insurance As Effective As It Should Be?

Boat and marine insurance claims differ in their focus on recreational and commercial vessels, but they bear some similarities. Boat losses can be quite costly, and the dangerous nature of water travel may heighten the severity of accident injuries and property damage. If you lack the proper forms of coverage, your insurer might argue that you have to pay out of pocket for:

  • Property damage that you caused to another vessel or dock
  • Bodily injuries, including legal costs and medical bills, that someone suffered as a result of your actions in your boat
  • Slip-and-fall or other personal injuries that passengers incurred on your vessel
  • Collision costs associated with fixing or replacing your vessel

Keeping your bearings out on the open water takes careful planning and attention to detail. The same is true of fighting for your insurance payout once you're back in a safe harbor. Our legal team will work hard to help you properly file your claim and take appropriate legal action if you're unjustly denied benefits.

Mounting An Insurance Case

When arguing your point of view with an insurer, you have to gather evidence that proves you're in the right. Marine surveys conducted by accredited surveyors are essential to this process because they provide you with concrete, impartial proof of the damage you want to claim.

Of course, surveying is only part of the fight. Insurers can deny your yacht or other vessel insurance claim for many reasons, but you also retain the right to appeal or take them to court. Learn how to pursue a better outcome by contacting The Rain Law Firm at 855-368-8956 or 855-330-RAIN today. Or send our boat damage claims lawyers a message online about your situation to chart a course for calmer waters.