Boat and Yacht Insurance requires an understanding of Insurance Policy Construction, Maritime Law, and the unique policy limitations regarding the “seaworthiness” of a vessel. Michael Sapourn marries his background as an insurance expert to the legal research he conducts in order to make the best possible argument for coverage when the Hull Insurance Carrier declares your loss “Not Covered”.

It’s important that you follow the recommended maintenance guidelines for keeping the Hull intact and the engines in good working order. In addition, most insurance companies expect you to have a Hurricane Preparedness Plan that must be implemented when a named storm threatens your area. These are the best ways to preserve your rights under your policy in case the worst happens.

By definition, at the moment a vessel sinks, it becomesunseaworthy. The requirement that your boat remain in a seaworthy condition can be found in virtually every Hull Insurance Policy. As a result, at the time you need your insurance the most, your Company is usually investigating the reasons your boat failed to remain afloat, looking for a reason to invoke its right to deny your claim.

Boat Yacht insurance claims can be a source of great enjoyment, but they can also be at the center of events when a serious injury occurs. Knowledge of your policy’s limitations and exclusions for personal injury is important when you engage in certain risky activities, such as skiing, wakeboarding or scuba diving. If an accident does occur, you need to know the vessel’s liability insurance will cover the resulting claim.

If any of these issues sound familiar, you need a Maritime Attorney. Call Mr. Sapourn for a free consultation.

For boat and yacht owners in Melbourne Beach, Melbourne, Viera, Satellite Beach, Merritt Island, Cocoa Beach, and Orlando grappling with insurance claims, the expertise of a maritime claims attorney like Michael Sapourn is indispensable. Sapourn’s unique combination of knowledge in insurance policy construction and maritime law equips him to advocate for coverage when insurance carriers deny claims. Following recommended maintenance guidelines and implementing hurricane preparedness plans are essential for preserving policy rights in case of disasters, especially in coastal areas like Melbourne Beach and Satellite Beach. Insurance companies often scrutinize vessel seaworthiness at the time of loss, potentially complicating claims processes. Understanding policy limitations and personal injury exclusions is crucial for engaging in activities like skiing or wakeboarding in Cocoa Beach and Merritt Island. With Sapourn’s guidance, boat and yacht owners can navigate insurance claims confidently, ensuring their rights are protected. If you’re facing these challenges, reach out to Sapourn for a free consultation and expert assistance tailored to your needs.