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Boat Property Claims

Orlando’s extensive network of over 100 lakes and waterways makes it a boater’s paradise. When disaster strikes, a prized vessel can suffer significant damage. At Vargas Gonzalez Delombard, we understand your boat isn’t just property—it’s a gateway to living and enjoying life to the fullest. When insurance companies try to deny or undervalue your claim, our experienced attorneys stand ready to fight for the compensation you deserve. Contact us today for a free consultation about your boat damage claim.

Understanding Boat Property Claims in Central Florida

Florida’s status as the “Boating Capital of the World” comes with unique challenges. With over 1 million registered recreational boats in the state, insurance companies often try to minimize payouts, especially after significant weather events.

Whether your vessel was damaged at Lake Ivanhoe’s public boat ramp or while docked at your private residence, Orlando’s unique weather patterns and waterway characteristics can lead to various forms of boat damage. 

The property claims lawyers at Vargas Gonzalez Delombard bring outstanding skills to resolving claims for the following:

  • Hurricane and tropical storm damage to vessels and docking equipment
  • Wind and storm surge damage during severe weather events
  • Lightning strikes, which are particularly common in Central Florida
  • Collision damage in high-traffic areas like Lake Conway
  • Vandalism or theft at public boat ramps and marinas
  • Water damage from unexpected flooding or improper storage
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How Can a Property Claims Lawyer Help Me?

As a registered boat owner in Florida, you have specific rights when dealing with insurance companies. Insurance providers often fall short of the needed and expected coverage, even when you are legally entitled to higher compensation. Our legal team ensures your rights are respected and protected by:

  • Thoroughly reviewing your marine insurance policy terms
  • Documenting all damage through professional assessments
  • Challenging lowball offers and claim denials
  • Fighting for full compensation under your policy
  • Handling all communication with insurance adjusters
  • Pursuing litigation when necessary to secure fair compensation

Why Choose Vargas Gonzalez Delombard

When your boat sustains damage, you need a legal team with a breadth of experience in the unique challenges of boating in Orlando. At Vargas Gonzalez Delombard, we bring a deep understanding of the local waterways and boating community and a proven track record of securing successful property damage claims. With our experienced property claims attorney’s extensive knowledge of marine insurance policies and a strong reputation for aggressive negotiation, we will fight to protect your investment. Plus, you pay no fees unless we win your case. Call now for a free consultation and speak with us about your situation. Our firm offers the knowledge and ability to achieve the results you need.

Property Claims for Boat Owners FAQs

What should I do immediately after my boat is damaged?

How long do I have to file a boat damage claim in Florida?

Will my insurance rates increase if I file a claim?

What if my boat was damaged while in storage?

Can I still use my boat while the claim is pending?

What types of damage are typically covered by boat insurance?

How do you determine the value of my damaged boat?

What if my insurance company has already denied my claim?

Are personal items stored on my boat covered?

How long does the claims process typically take?

What should I do immediately after my boat is damaged?

Document everything with photos and video, secure the vessel if possible, and contact our firm immediately before making any statements about the damage to your insurance company.

How long do I have to file a boat damage claim in Florida?

While policies vary, it’s crucial to report damage promptly. Florida law typically provides limited time to file a claim, so contacting an attorney quickly is essential.

Will my insurance rates increase if I file a claim?

Whether your insurance premiums will increase will depend on various factors, including your policy terms and claim history. Our attorneys can help you understand the potential implications of filing a claim.

What if my boat was damaged while in storage?

Your policy often covers storage facility damage, but these claims can be complex because of the number of entities involved. We can help determine liability and pursue compensation from all responsible parties.

Can I still use my boat while the claim is pending?

We generally advise against using your boat until damages are appropriately documented and assessed, which could affect your claim’s outcome.

What types of damage are typically covered by boat insurance?

Most policies cover storm damage, accidents, theft, and vandalism, but coverage can vary significantly. We’ll review your policy to identify all applicable coverage.

How do you determine the value of my damaged boat?

We work with marine experts to assess the pre-damage value and repair costs, ensuring you receive fair compensation for your loss.

What if my insurance company has already denied my claim?

Don’t give up—many denied claims can be successfully appealed. Contact Vargas Gonzalez Delombard to review your case and potential options.

Are personal items stored on my boat covered?

Coverage for personal items varies by policy. We’ll help you determine whether these items fall under your boat insurance or other policies.

How long does the claims process typically take?

While straightforward claims might resolve quickly, complex cases can take several months. We work diligently to expedite the process while keeping you informed and ensuring you receive full compensation.

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