You made the right move to take boat insurance to protect your vessel. Now that an incident covered under the policy has occurred, you have a claim. It’s vital that you present your claim correctly to avoid it getting rejected by the insurer. As a boat owner in Erie, CO, there are steps you can take.
Here is what you should do:
1. Call Your Insurance Company Immediately
Whether the claim is about theft or an accident, you should immediately call your insurance company to inform them. You can also report the claim incident online if your insurer allows for that. Make your you explain in detail what happened.
2. Call the Authorities if Necessary
Some incidents covered under your boat insurance policy, like theft and accidents, require the intervention of authorities like the policy. After calling your watercraft insurance provider, call the police if necessary. You might need to provide a police report of the incident as evidence for your claim to have it approved by the insurance.
3. Photograph the Scene and Damage
If it’s an accident, take pictures of the scene and the damage to your vessel and other property. If the incident is theft and your vessel is missing, we at Advantage Service Insurance suggest that you take photos of where the boat was. Make sure that you take pictures from broad angles and also close-ups. Once you have the pictures, provide them to your insurance as part of your insurance claim.
4. Wait for Feedback Before Doing Any Repairs
After filing your claim, it’s critical that you wait for feedback from your insurer before doing any repairs. Your vessel insurer might need to physically the damage further before settling on the compensation amount. If the repair is time-sensitive, let the insurer know and request they let you do the repair.
If you need more info on boat/watercraft insurance in Erie, CO, contact Advantage Service Insurance today.