Presenting Your Claim - Document, Document, Document
If your boat sustains damage due to a covered event (for example, your boat was damaged in an accident or as a result of vandalism or theft) you need to begin to document your claim. Put your insurance company on notice of the claim. Call your insurance company and let them know what happened. Get the name of the adjuster assigned to your claim, his or her contact information and the claim number.
Take pictures of the damage to the boat if possible (obviously you can't take photos of a stolen boat that has not been recovered). Take video, if you can, of the property damage. Hold on to any receipts and estimates for repairs. Do not throw out any correspondence or documents that are sent to you by your insurance company. If you are mailing anything to your insurance company do it by certified mail, return receipt requested, and make copies of whatever you are sending for your records. Keep a journal of all your communications with your insurance company. If you become aware of any witnesses that have knowledge of any aspect of your claim, record their name and contact information. Don't throw out any of the damaged vessel parts. In short, document everything.
Claim Delays, Claim Denials
If your claim is being delayed by your insurance company or has been denied don't be surprised. In particular, stolen boat claims in Miami and throughout Miami-Dade County seem to come under unreasonable scrutiny by the insurance companies. Some of the issues that you can face when presenting a stolen boat claim to your insurance company include:
- Denied Claim
- Lowballed Claim
- Claims Delay
- Insurance Coverage Dispute
- Requests for Examinations Under Oath
- Requests for Sworn Statements
- Requests for Recorded Statements
- Issues Related to Actual Cash Value
- Issues Related to Replacement Cost Value
- Fraud or Arson Accusations
- Total Loss or Constructive Total Loss Issues
- Diminution of Value Claims
- Allegations of Material Misrepresentation
- Issues Related to the Application for Insurance
- Appraisal Issues
- Umpire Issues
- Recovery for Theft or Vandalism Damage
You can reach Miami Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email Attorney Gonzalez-Sirgo directly at[email protected].