Brown & Brown Fort Lauderdale
You should act as if you are uninsured when loss or damage occurs. This may seem unusual advice but it is most important that, in the event of any incident involving your vessel you must take all reasonable steps to minimize the loss.
Report all incidents whether you are filing a claim or not.
File a Boating Accident Report. You are required by law to file a Boating Accident Report with your state boating authority if:
While we ask that you contact your agent at Brown and Brown Marine, please be advised that some insurance companies require direct reporting of any loss. Please refer to your policy for any direct reporting instructions and contact information. Contact us if assistance is needed.
Take pictures if possible.
In the event a discharge from your vessel occurs:
While it does not necessarily follow that the costs of any such action will be fully covered by the terms of your insurance, it is in your own interest to take such action. Should you have any doubts as to what to do you should contact us immediately for advice and assistance. Your local marina may also be able to provide assistance.
It is very important that we are immediately informed of any event that may lead to a claim under your insurance. We will forward a claim form to you for completion and/or request a formal statement of loss as soon as we are told of the incident. The completed documents should be returned to us whether or not you intend to make a formal claim.
We may ask you:
Any estimates or quotations should be sent to us without delay. We reserve the right to ask you to obtain alternative estimates.
Underwriters may assign a surveyor to inspect and/or investigate. Except in an emergency or to prevent further damage, do not authorize any repairs without underwriters prior agreement.
When you are satisfied with the repairs the invoice should be paid by you and the paid invoices should then be forwarded to us.
This claim information is intended to provide some guidance should you have to submit a claim under your insurance. It does not form part of any policy wording or give any indication of acceptance of liability by the underwriters.