The Challenge:
A client struck a submerged log at speed while returning to the marina in their high‑value launch. The insurer’s assessor concluded there was “no apparent hull damage” and proposed a minimal repair—stripping and recoating antifoul and a propeller realignment—placing the initial settlement at about $5,000.
Our Approach:
We pushed back and insisted on a specialist inspection. After tense negotiations the insurer approved a local marine engineer to examine the vessel, and we attended the inspection. The specialist identified clear impact damage: hull deformation, both propellers bent and shafts compromised, worn cutlass bearings, potential gearbox issues, and extensive internal damage to electronics and fittings.
The Outcome:
The vessel required two months out of the water for comprehensive hull, running‑gear and internal repairs. The total claim value was $68,000 — a substantial increase over the insurer’s original assessment.
The Takeaway:
When it matters, you need an experienced insurance advocate on your side. Without a thorough investigation and specialist input, the insurer’s quick fix would have put a seagoing vessel back in service unsafely. We’ll fight to secure a fair, safe outcome for you at every step.
