Claims Services
What makes us different?
In 2022, when we formed Public Yacht Adjusters, we researched nationwide to identify what other marine-based claims consulting
or Public Adjusting firms are owned by and focused on maritime boat and yacht claims. Our study showed that we are the first marine-based Public Adjusting firm with marine professionals managing claims in the country. What sets us apart is that we are the first marine-only Public Adjusting firm in the United States and the only one run by maritime professionals and surveyors.
WE GET YOU MORE
We recovered 8 to 22 times the initial offers given to our clients for their boat losses in Hurricane Ian. We provided free inspection and consulting for dozens more who successfully navigated their claim without hiring us. Let us help you defeat claim offers that are exponentially less than you deserve.
NOTHING UP FRONT
If you need help with your claim, you pay nothing upfront. We only get paid on the payouts you receive in addition to what insurance previously offered. In short, we only get paid if you do.
EXPERTISE WITHOUT OUTSOURCING
It requires knowledge of insurance, Florida Law, vessel construction, and intensive marine systems to properly analyze a maritime damage claim. We possess the niche licenses, certifications, and experience to do so on an expert level. While other public adjusters split their focus between residential water, storm, mold, and fire damage, we dedicate our entire focus to the marine industry. We are both the experts that other public adjusters use to outsource their damage inspections and the certified public adjusters. Why have a go-between without experience in the marine industry when you can have the experts directly fighting for what you deserve?
DIRECT ACCESS
We are a local small business, so you can be confident you have direct access to your marine expert and public adjuster. While other public adjusting firms may have experts on their disconnected outsourced teams whom you do not interact with, we have the experts themselves communicate with you. We are public adjusters, past independent insurance adjusters, and marine experts, all in one tight-knit team. We work closely with you and never pass your claim to other firms, adjusters, or attorneys.
GUIDANCE
Most public adjusters are just that, adjusters. A SAMS Accredited Marine Surveyor and I.A.M.I. Certified Marine Investigator with years of boat building and insurance claims experience leads our team (see our Qualifications). We have extensive knowledge and experience with local repair and service facilities. For every potential claim, we will come to the damaged vessel free of charge to make an initial assessment and educate you regarding the damage and your policy. By managing your claim, we will not only explain and guide you through the insurance claim process but also guide you through understanding the damage to your vessel so you can get back on the water as soon as possible with peace of mind.
INTEGRITY
Integrity matters. We investigate & immediately refuse or drop claims in which the facts don't add up. This reputation helps us expedite and win insurance claims. As a current International Association of Marine Investigators Certified Marine Investigator, we strictly adhere to honest marine claims practices with a zero-tolerance policy for fraud.
Principle matters. If you feel you are being taken advantage of by your insurance company on your boat or yacht claim, there is no claim too small for us to represent. We are here to guide, educate, represent, and help you with your damage & insurance needs. We are consumer claims advocates on a grassroots level.
EXPERIENCE
In addition to 25 years of boat building and marine experience and a decade as a marine surveyor, we have years of experience processing maritime claims for insurance companies and providing expert assistance to attorneys. We understand the process and the details of what a successful claim requires.
New Claim
Disaster strikes, leaving you with damage to your boat or yacht. It is an overwhelming and stressful moment, but there are steps you can follow to set you up for a successful recovery. Before contacting anyone else, contact your insurance company to notify them of the loss. The next focus should be on documenting everything connected to the damage. Documentation includes photos, witness names and contact information, videos, and all relevant information must be taken as soon as possible and will help build a strong claim. Then, we step in to help. Contact Us to schedule a free claim consultation in which we will take a preliminary look at the vessel and your insurance policy. After signing a contract with us, you can let out a sigh of relief and sit back as we handle the claim process and fight to get you the payment you deserve.
Unfair Payout
You have handled the stressful insurance claim process on your own, only for your insurance company not to offer enough money to cover the full extent of the damage. After all the time and energy wasted on red tape, you consider accepting a settlement that is less than you deserve. That is what your insurance company has calculated works best for them. Let us step in and fight for you. Contact Us to schedule a free claim consultation where we will review all the work already done, look at your vessel, and build a stronger claim based on expertise and facts. You don't have to choose between giving the insurance company more of your valuable time or losing money!
Supplemental Claims
You've accepted a settlement from your insurance company only to discover you were seriously underpaid for the extent of the damage. The payment begins to cover only some of the costly parts, repair services, and losses you have suffered, or it doesn't cover unexpected problems after you accept the initial settlement. Your insurance company will do everything possible to make reopening your claim seem impossible or useless, but it's not. Contact Us, and we will do the paperwork to reopen the claim and conduct a thorough inspection to prove what you already know: you deserve more.
Denied claims
You've filed the paperwork, and your insurance company returns with frustrating news: you have no coverage for the damage to your boat. The reality with marine insurance is that most adjusters need help understanding yachts and their complicated systems, and that clauses providing coverage for your damage hide in the complex legal jargon that makes up your policy.
Why hire a marine public adjuster?
- A Public adjuster costs nothing upfront. It also avoids high attorney and court fees and prolonged court battles.
- We do all the work. Corporate insurance giants do their best to delay and make filing a claim as tedious and confusing as possible. They rely on the fact that most policyholders need more time, energy, and knowledge to untangle their legal jargon and learn what they are entitled to. We deal directly with your insurance company, get upper-level adjusters assigned, handle all the research, perform all damage assessments, forensics, and reporting, and advocate on your behalf so you can claim what you deserve stress-free.
- Your insurance company has adjusters and experts aggressively protecting the company’s interests. They rely on an unfair fight against their policyholders. We will protect your best interest with passion and expertise to ensure you have the upper hand.
- Most insurance company adjusters are not maritime professionals and determine your payout with little research and evidence. We will fight back with years of knowledge and hard facts.
- It is risk-free. We get paid when we succeed in getting you the fairest settlement possible.
