Marine Insurance Claims in Florida
Step-by-step guidance on what to do after a boating accident or vessel loss in Florida
The Claims Process: Step by Step
Following these steps ensures the best possible claims outcome
Ensure Safety First
Account for all persons on board. Call USCG (VHF Channel 16 or 911) for life-threatening emergencies. Render assistance to any injured parties. Make temporary repairs to prevent further damage.
Document Everything
Photograph all damage before any cleanup or repairs. Take video of the scene, damage, and surrounding area. Collect contact information from all parties and witnesses. Note date, time, location, weather, and circumstances.
Report to Authorities
Florida law requires filing a boating accident report with FWC for incidents involving injury, death, or damage over $2,000. Reports must be filed within 10 days (48 hours for fatalities).
Notify Your Insurer
Contact your insurer as soon as possible. Have your policy number ready. Describe the incident and damage. Get a claim number and adjuster contact information.
Claims Assessment
A marine claims adjuster will be assigned. For significant damage, a marine surveyor may inspect your vessel. Do not authorize major repairs until the adjuster has assessed the damage. Obtain multiple repair estimates.
Resolution & Payment
Review the settlement offer carefully. If you disagree, request the basis in writing. You have the right to an independent marine survey opinion. Payment is typically made directly to approved repair yards.
When to Report to FWC
Florida law requires reporting a boating accident to the Florida Fish and Wildlife Conservation Commission (FWC) when:
- !A person dies
- !A person disappears from a vessel
- !A person is injured requiring medical treatment beyond first aid
- !Property damage exceeds $2,000
- !A vessel is completely destroyed or sinks
Reports must be filed within 10 days (48 hours if there is a death or disappearance).
Common Claims Pitfalls to Avoid
- ⚠Late notification — report claims promptly to avoid coverage issues
- ⚠Undisclosed commercial use — personal policies exclude commercial operation
- ⚠Navigation area violations — ensure you were within your covered waters
- ⚠Hurricane clause non-compliance — follow all storm preparation requirements
- ⚠Boating under the influence — BUI at time of incident may void coverage
- ⚠Inadequate documentation — always photograph and document thoroughly
Emergency Contacts
For a detailed guide to the claims process:
Read: How to File a Marine Insurance Claim in Florida →
Match Me to the Right Insurer
Tell us about your vessel — we'll match you to the best-fit Florida marine insurer within 24 hours.
Get a Quote →