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Compensation Without Compromise

With Miami being a hub for luxury vessels and recreational boating, insurance claims can be particularly complex. Whether you own a personal watercraft or a multi-million dollar yacht, insurers often employ sophisticated tactics to reduce payouts. Our property claims attorneys possess deep knowledge of maritime law and insurance policies. Combine that with a reputation for being relentless advocates for our clients, and you know we will ensure your claim receives proper valuation and attention.

Common Causes of Vessel Damage in Miami

Miami’s unique coastal environment presents various risks to boat and yacht owners:

  • Hurricane and tropical storm damage, particularly during the Atlantic hurricane season
  • Storm surge and flooding damage at marinas and docking facilities
  • Lightning strikes and electrical system damage
  • Collision damage in high-traffic areas like Biscayne Bay
  • Vandalism or theft at popular anchorages
  • Water damage from improper storage or severe weather events

What Are My Rights as a Miami Boat Owner?

As a boat or yacht owner in Miami, you have several rights when filing a damage claim, whether against your insurance company, another party, or a marina. Here are some key protections under Florida law:

  • Right to file an insurance claim: If your boat is damaged due to weather, an accident, vandalism, or other covered events, you can file a claim with your marine insurance company. 
  • Right to fair compensation: Florida law requires insurance companies to provide fair compensation based on the terms of your policy. This includes coverage for repairs, replacement, and sometimes additional costs like towing or salvage.
  • Right to challenge a denied or underpaid claim: If your insurance company undervalues or denies your claim, you can dispute their decision. Working with Vargas Gonzalez Delombard, we can help you demand a review, provide additional evidence, or take legal action.
  • Right to hold negligent parties accountable: If another boat operator, marina, or repair facility caused the damage, you can seek compensation through a third-party claim or lawsuit. 
  • Right to legal representation: It is your prerogative to hire an attorney; the insurance company cannot prevent you from doing so. Our skilled property claims lawyers can handle disputes, negotiate with insurance providers, and represent you in litigation if needed. We can ensure you receive the full compensation you deserve.
  • Right to timely claim processing: Under Florida’s Unfair Insurance Trade Practices Act, insurers must process claims within a reasonable time and cannot use bad faith tactics to delay payment.
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Experience Matters: How We Help Miami Boaters

Vargas Gonzalez Delombard brings specialized expertise to marine property claims:

  • Conducting expert analysis of complex marine insurance policies
  • Collaborating with marine specialists for accurate damage assessment
  • Valuing high-end equipment and luxury features accurately
  • Documenting both visible and hidden damage
  • Handling claims for vessels of all sizes, from personal watercraft to superyachts
  • Providing regular updates throughout the claims process

Vargas Gonzalez Delombard: Protecting What Matters

Our attorneys, including the highly respected Rene Delombard, Andrew Vargas, and Louis Gonzalez, are relentless advocates with a strong track record in insurance litigation. We understand the complexities of luxury vessel valuations and marine insurance policies. We fight to ensure your insurance company treats you fairly. With our aggressive negotiation tactics and contingency-based representation—you don’t pay unless we are successful for you. Our firm is known for securing top-dollar settlements and fighting for fair and full compensation. Don’t settle for less—call today for a free consultation, and let us put our experience, strategies, and breadth of knowledge to work for you.

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Property Claims for Boat Owners FAQs

How quickly should I report damage to my vessel?

What coverage applies if my yacht was damaged at a marina?

How do you handle claims for luxury yacht damage?

Can I still use my boat during the claims process?

What if my claim has already been denied?

How quickly should I report damage to my vessel?

Immediate reporting is crucial. Document everything with photos and video before moving or attempting repairs. Contact our firm before you call your insurance company to ensure your claim is filed correctly.

What coverage applies if my yacht was damaged at a marina?

Coverage can involve multiple policies, including the marina’s insurance and your vessel policy. We’ll help you identify all potential sources of compensation.

How do you handle claims for luxury yacht damage?

We work with specialized marine surveyors and appraisers who understand the unique value of high-end vessels and their custom features.

Can I still use my boat during the claims process?

We advise against using your vessel until damage is fully documented and assessed as this could compromise your claim and worsen existing damage.

What if my claim has already been denied?

Many denied claims can be successfully appealed. Contact us for a thorough review of your case and potential strategies to win what you deserve.

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