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2 years ago · by · 0 comments

Boat Insurance Claim: What to do After a Hurricane

Hurricanes can cause an unprecedented amount of damage to boats, harbors, shipyards, etc. Hurricane Matthew was particularly severe, and we hope that your boat did not suffer any damage.

However, if it did, it is a good idea to file a boat insurance claim as soon as possible. Meanwhile, when it is safe, here are some strategies you might be able to use to protect your boat and try to reduce the chance of any further damage from occurring.

Steps to Take After Filing a Boat Insurance Claim

These steps will help to protect your boat from further damage during or after a hurricane. Be sure to thoroughly document damage the hurricane caused to support your boat insurance claim before beginning this process.

Remove Personal Items and Equipment

If you can safely access your boat, take as much equipment as possible off of it to protect it from being stolen by looters or vandals. This can include electronic equipment, fishing poles, chairs, scuba gear, paddles, etc. Anything that can be carried off your boat with relative ease could potentially be a target for looters. So remove as much as you can, and prioritize the highest value items first. Be sure to note any damage to personal items in your boat insurance claim.

Clean Your Boat

This can involve removing any debris, sea weed, mud, sand, etc. If you clean it and dry it out, there is less of a chance that mildew or other types of damage will accumulate. If there is any water in the boat, then you should bail it out, or find another safe way to remove it as soon as you can. Water damage can be extremely costly. Make sure you note and document any water damage in your boat insurance claim. You can use tarps to cover damaged areas of the boat to protect them temporarily from the elements.

“Pickle” Your Engine or Machinery

“Pickle” your engine or machinery if they have gotten submerged or wet. This process involves flushing them with fresh water and then filling them back up with kerosene or diesel fuel. Pickling your engine can significantly increase the chance of saving it. Engines can be expensive to replace and difficult to move. So if you can save yours by pickling it, this can prevent major hassles. Depending on your coverage levels, taking this step could free up funds to allow other damaged areas of your boat to be included in your boat insurance claim.

Contact Your Boat Insurance Company Before Salvaging

Get approval from your boat insurance company before you sign a salvaging contract if your boat is submerged and needs to be moved. The purpose of doing this is to prevent you from accidentally getting stuck with the bill if there is a coverage problem with your boat insurance claim with the salvaging. Salvaging costs can be expensive. So it is wise to err on the side of caution when it comes to signing these types of contracts. Be safe, and make sure your boat insurance claim will cover these costs before you incur them.

Filing Your Boat Insurance Claim After a Hurricane

Hurricanes can inflict large amounts of physical damage and can also generate extreme financial losses. Boat insurance can help protect you in the event of a hurricane. However, it is wise to follow these steps to help prevent suffering further losses. Getting valuable property off your boat, cleaning your boat, pickling your engine, and not signing salvaging contracts without your insurer’s approval can all help to prevent additional financial hardship. Hurricanes are difficult enough, so it is best to take these savvy steps in their aftermath to prevent even more difficulties.

Contact a Maritime Insurance International agent for assistance with your boat insurance claim or apply for a boat insurance policy today!



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Company Information

Maritime Insurance International
3 Lockwood Drive
Suite 302A
Charleston, SC 29401

Mystic, CT Office:
P.O. Box 30
West Mystic, CT 06388-0030

Annapolis, MD Office:
P.O. Box 3505
Annapolis, MD 21403

Contact Details

Phone: 843.606.5270
Fax: 888.482.6844

Monday - Friday: 9:00am - 5:00pm


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Professional, & courteous every time we've spoken. I would highly recommend ​t​his agency for boat insurance.
Carol P.
Very helpful and easy to work with.
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Excellent and prompt service.
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Terrific custom service and extremely well informed.
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Nick does a great job, very responsive service, good products.
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Great people, prompt service and they know their policies.
Banff L.
Been with this company since 2011, had one claim and it was settled to my satisfaction very promptly, never had any type of problem. I would highly recommend them based on the service I have gotten from them.
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Nick McGinty & his team are top notch. Friendly, responsive, knowledgeable...Recently had an issue that was resolved quickly. They insure both my vessels and highly recommend them.
Great service, great prices and flexible pay plans
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I have just bought my first big boat! This is a process that requires people who know what needs to happen and helped me to get it done. Insurance is something that we hope never to need but offsetting the risk in a big purchase ...
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MII has been responsive, prompt in follow-up and competitive in cost quotes. Am pleased with their customer service and already have suggested to a colleague to pursue their services.
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This company makes super yacht insurance look easy. Very knowledgeable on vessels over 400 GT and they never miss an email. On my size vessel, there is no reason to shop around. Its the relationship with your agent that is imperative and must be seamless.
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Maritime's entire team has always been outstanding!
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The Maritime office is excellent. Nicky and Angie always send reminders and are extremely friendly and helpful.
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Maritime has always been very helpful and user friendly. We contact a lot via email and phone and always get a prompt response. Mahalo!
W. "Kainoa" H.
Maritime agent Garrison Rudisill has been great to work with. He was a tremendous help with our hurricane Matthew claim.
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Garrison has been very responsive and was always available and helpful.
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Angie Fessler at the Maritime office went above and beyond to find us a policy to fit our event schedule. She is a blessing and we will be using you guys again this year.
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I've never had a problem with this insurance and the price was great as well. My local guy, Garrison Rudisill, always answers my questions and helps me with anything I need.
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My experience has been very professional and pleasant. They provided me with what I needed.
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Maritime Insurance was very helpful in insuring our first larger vessel. The staff are very knowledgeable!
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Working with these folks has been a real pleasure. They are knowledgeable, friendly and responsive. Easy to do business with.
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NICK'S a stand up guy. He explains your coverage in English not in insurance jargon. Very responsive and easily accessible by telephone and via email.
Clay W.
Since day one, they have been there for us and on one particular day we needed them the most, they were there. We enjoy our relationship with the Charleston Team.
Eric R.
I had a serious claim in 2015 while cruising in the Turks & Caicos islands and I got the very best of service even though I was in another country. They stood behind me while my boat was repaired. It doesn't get any better than ...
Paul M.
This is one of the most responsive, helpful companies I have ever felt with. My calls and questions have always been returned with faster than average turnaround. Extremely helpful. Have always met my expectations. I recommend Nick McGinty and this company to all my friends.
Eric B.
Maritime was right on top of my claim and was extremely helpful in participating in getting the correct documents and professionals to back up my claim. Excellent company!!
Steve W.
They helped me with my claim and they always try to get me the best quote highly recommend.
Steve P.
Nick McGinty and his team are top notch people who understand their customers needs and provide quality insurance products in an efficient timely manner.
David F.
They have exceeded all my expectations. We have multiple policies on several properties, prior to insuring through Maritime insurance this was a nightmare keeping track of things, with Nick and crew its a snap. Its like having a full time person on our staff just ...
Garrison R. has been fantastic to work with and is an asset to the company!
Tyler S.
Very knowledgeable staff who answered all my questions and the rates I received were far superior to anyone else's.
Brian N.
Very responsive, honest and customer service driven. I was surprisingly impressed and my expectations were exceeded.
Jim T.
Thank you Nick for ALWAYS being on the ball. You guys are great!
Thornton L.
I called insurance companies on a Friday to see who would be most helpful and responsive. Maritime Insurance was the ONLY company ready and willing to take information and prepare a quote. The customer service alone was worth using the company.
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Fast prompt service, no hassles.
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Great initial coverage policy and excellent follow-up skills for renewal...
Michael H.
Has an awareness of the struggles of a small marine service company.. Did a great job finding affordable policy for our specific needs. Great communication and stays on top of my account concerns.
William W.
Found you on internet. Nick McGintry and Nicky have exceeded my expectations. It's as great genuine and heart felt as the Four Seasons staff. And you were competitive.
Susan A.