Types of watercraft
First-party insurance claim matters involving the vessel types below. The service is not limited to a particular vessel size or value.
- Boats
- Yachts
- Personal watercraft
- Jet skis
- Fishing boats
- Pontoon boats
- Sailboats
- Recreational vessels
- Marine equipment
- Permanently installed accessories where insured
Boat & watercraft losses we review
Whether any particular cause of loss is covered depends on the policy language, the facts and applicable law. Listing a loss type here is not a coverage determination.
- Collision damage
- Hurricane damage
- Wind
- Hail
- Fire
- Lightning
- Theft
- Vandalism
- Sinking
- Submersion
- Water intrusion
- Marina damage
- Dock-related damage
- Transportation-related damage where applicable
- Trailer-related damage where applicable
- Engine damage where coverage may apply
- Electrical damage where coverage may apply
- Total loss
- Salvage disputes
- Repair-estimate disputes
- Valuation disputes
- Denied claims
- Partially denied claims
When the numbers don't look right
Marine claims frequently come down to how the estimate or valuation was built. These are the areas that may deserve a closer look — reviewed against the documents, never decided in advance.
- Insurer estimate vs. marine repair estimate
- Labor-rate differences
- Scope omissions
- Repair-vs.-replace decisions
- Manufacturer repair procedures
- Hull damage
- Structural damage
- Fiberglass repair
- Gelcoat repair
- Engines
- Propulsion systems
- Electrical systems
- Electronics
- Navigation equipment
- Equipment valuation
- Accessory valuation
- Depreciation
- Actual cash value
- Agreed-value issues
- Stated-value issues
- Comparable vessels
- Total-loss methodology
- Salvage value
- Betterment deductions
- Documentation deficiencies
Boat Total-Loss & Valuation Disputes
A boat total-loss claim can depend heavily on valuation methodology, vessel condition, equipment, upgrades, comparable vessels, policy valuation language and salvage. If the carrier's valuation appears incomplete or too low, White Rock PA can review the available documentation and identify issues that may deserve further investigation.
Review My Boat ValuationMarine Repair Estimate Review
Marine repairs may involve specialized labor, materials, repair facilities, surveyors, structural procedures, propulsion systems, electrical systems and manufacturer requirements. When the insurer's estimate and the marine repair estimate do not line up, the difference is usually traceable line by line.
Compare My Marine Repair EstimateScope of this service
This service is principally focused on first-party insured physical-damage and valuation claims for boats and watercraft. White Rock PA does not handle personal injury, maritime bodily injury, wrongful death, Jones Act, criminal or third-party bodily-injury matters.
Specialized matters involving commercial marine, cargo, protection & indemnity (P&I), maritime liability or specialized maritime law are routed for professional review rather than automatically accepted or represented as within scope. Nothing on this page is a coverage determination.
Send the marine estimate, survey and photos.
We'll review what was scoped, what appears missing, and how the valuation or repair position was built — then explain the service path that may apply.
Related claim help
Important Information
White Rock Public Adjusting, LLC is not an insurance company, law firm, contractor, or carrier-affiliated entity, and does not provide legal advice. Services vary by claim type, jurisdiction, licensing requirements, and individual circumstances. No claim outcome is guaranteed. Licensed public adjusting is available in Texas and Florida, subject to the applicable claim, license, law, contract, and circumstances. Public adjusting services are provided only where White Rock and the applicable professional are properly licensed and legally authorized. Submitting information does not create a public-adjusting representation agreement.
White Rock PA accepts insurance claim consulting inquiries nationwide. Services vary by jurisdiction, claim type and scope of engagement. Public-adjusting and other regulated services are provided only through professionals properly licensed and legally authorized in the applicable jurisdiction. Certain services may be coordinated through independent licensed professionals.
TX Public Adjuster #3172010 · NPN #19450926 · FL Public Adjuster #W675274 · NPN #19450926