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Boat & Yacht Insurance Claims
Has your watercraft sustained damage? We’re here to help.
Regardless of the cause of damage to your watercraft, we’re ready to assist you. Please contact us as soon as possible to report your claim. When you call us, we will walk you through the steps you should take to protect your watercraft and get you on the path to recovery. We're also committed to helping you prevent future property damage. Visit our Prepare & Prevent website to access valuable information about loss prevention and damage mitigation.
Guiding you through the claim process
Essential tips to follow if your watercraft has been damaged
- Call the Coast Guard or police, even if it is a minor accident. If someone is injured, request medical assistance. If fire is involved, request fire department aid.
- Exchange information with the owner of the other vessel. Be sure to write down their name, address, phone number and insurance information. Also, write down the contact information of all witnesses.
- Report your claim anytime to Travelers online or by calling 1.800.Claim33. The sooner you report, the sooner we can help.
- When making any necessary temporary repairs to protect your vessel from further damage, be sure to always save your receipts. Your Travelers claim professional may ask you to provide them for reimbursement purposes.
- If your watercraft has sustained any type of extensive damage, do not go back inside until cleared to do so by emergency personnel or town officials, even if you have had a minor incident affecting only a small portion of your vessel.
I just reported my boat or yacht insurance claim. What can I expect to happen next?
Your Travelers Claim professional will be contacting you shortly to walk you through the claim process, evaluate coverage, and assess the damages to your watercraft or other personal property. We want to resolve your claim as quickly as possible. If you have questions or concerns at any point during the claim process, contact your Travelers claim professional directly.
How do you determine the value of my damages?
Depending on the type of damage, your Travelers Claim professional may need to schedule a time to inspect your watercraft to determine what needs to be repaired or replaced.
If your personal property, or contents, have been damaged or destroyed, your Travelers Claim professional will work with you to complete an inventory of the property.
This inspection and your contents inventory will be used to develop an estimate for the Actual Cash Value (ACV) and the Replacement Cost Value (RCV) of your damaged property. The estimate may also include other information such as tax and the amount of depreciation, if any.
RCV is the estimated cost of repairing a damaged item or replacing a damaged item with a similar one. ACV is the estimated value of the item or damage at the time of the loss. Generally, ACV is calculated as RCV minus depreciation.
What does the term "subrogation" mean, and how does it affect me?
Occasionally, another person may be responsible for the damage to your property. If so, Travelers may seek reimbursement from that other person or that person’s insurance carrier. Travelers’ pursuit of reimbursement is referred to as “subrogation.” We may need your cooperation with this effort. If there is a recovery, you may receive reimbursement for some or all of your deductible.