If you’re a boat owner, you know that storms can be a huge danger to your vessel. High winds and waves can cause serious damage, and if you’re not prepared, you could end up with a wrecked boat on your hands. Walker and Associates Insurance Agencies Inc in Fillmore, NY can provide expert insurance advice to navigate such situations.
Here are some steps to take if your boat is damaged in a storm:
Assess the Damage
The first thing you should do is assess the damage. If the boat is still afloat, you’ll want to look at the hull and see if there are any cracks or holes. If the boat is sunk, you’ll need to focus on salvage and recovery. Either way, it’s important to document the damage with photos and/or video.
Contact Your Insurance Company
Once you’ve assessed the damage, the next step is to contact your insurance company. You’ll need to file a claim and provide them with all of the documentation that you have. A reputable agency such as Walker and Associates Insurance Agencies Inc. will send an adjuster fast to assess the damage and determine how much they are willing to pay.
If you have comprehensive coverage, your insurance company will likely cover the cost of repairs. However, if you only have liability coverage, then they may only cover the cost of salvage and recovery. Either way, it’s important to get in touch with your insurance company as soon as possible so that you can start the claims process.
Make the Repairs
If your insurance company is going to cover the cost of repairs, then you’ll need to find a reputable boat repair shop. They’ll be able to fix the damage and get your boat back in working order.
However, if your insurance company is only going to cover the cost of salvage and recovery, then you’ll need to find a reputable salvage company. They’ll be able to retrieve your boat and bring it back to shore.
Contact Us Today
If you’re unfortunate enough to have your boat damaged in a storm, there are a few things you can do to minimize the damage. First, contact your insurance agent and let them know what happened. They’ll be able to help you file a claim and get the repairs started. Get in touch with Walker and Associates Insurance Agencies Inc in Fillmore, NY for all your insurance needs.