Do you need a survey for boat insurance in Annapolis? This is the most frequent query from new boat owners. The best answer is ‘it depends’. While some insurance companies would insist on a survey, others might not. If your boat is brand new, you might be exempted from providing a survey report even from insurers that demand a survey. Moreover, even for brand-new vessels, you might be asked to submit a survey report if the vessel is too big or too expensive. As you can see, talking to your insurer is the best way to find out if you will need to provide a survey report or not.
Now that you have the answer to the question of do you need a survey for boat insurance in Annapolis, let’s look at why getting a survey done is crucial. As you may already be aware, an insurance boat survey typically includes a wide range of factors linked to the worth and condition of a boat. Depending on the type of vessel, its size, age, and intended usage, as well as the particular criteria of the insurance company, the survey’s precise scope may change. Here are a few typical areas that an insurance survey might touch on.
- Hull inspection. The first thing that ought to be looked at in a marine survey is the hull. In this case, the surveyor will be looking at everything that relates to the hull. This includes the bottom planking, keel, stringers, and frames. The objective here will be to check for signs of rot, and other damage to the structural integrity.
- Deck inspection. Once the hull has been inspected, the marine surveyor will start inspecting the cabin, deck, and other structures for leaks and other damages. The goal is to ensure the boat is safe and seaworthy.
- Electrical and mechanical systems inspection. The surveyor will take a look at the generators, engines, wiring, batteries, and all other electrical systems. The goal is to ensure both the mechanical and electrical systems are working properly.
- Inspection of the safety equipment. The life jackets, distress signals, fire extinguishers, and other safety equipment have to be looked at to ensure they meet regulations.
- Navigation equipment. Is the radar, GP, and depth finder equipment working properly? This will be included in a boat survey.
As you can see, an insurance survey involves a lot of steps. At times, a haul-out and a sea trial may be required. Finding a reputable marine surveyor in Annapolis who is not just knowledgeable but also accredited is the key. In order to find out what should be in the survey report, you will also need to speak with your insurer.