Sometimes insurance companies make mistakes when denying or underpaying boat insurance claims. 1 Since I exercise insurance rights and own more boats than a family of four can be on at the same time, I often get calls from frustrated friends and acquaintances who complained about the poor adjustment of their boat claims.
The boat claims are different. The nomenclature and the law differ from other areas within real estate insurance law. In general, coverage for a boat is considered marine insurance. Marine insurance contracts are governed by federal shipping laws. 2 In the absence of an established maritime rule, courts apply state law to interpret disputes under maritime insurance. Most of you just want to get paid for your claim to have your boat repaired and do not care about these shipping rules.
Maritime insurance is interpreted as a return to days when English general law applied rules. Thus, old English maritime general law insurance rules may apply when disputes arise. I often explain this to owners of boats and smaller boats when they do not get paid what they think is fair. For some reason, insurance company adjusters often believe that lawyers do not understand the law of the sea and challenge these erroneous denials and underpayments. The law does not differ so much from federal or state maritime law that unfair results should occur. Lawyers from Merlin Law Group can provide interpretation of legislation at sea and help you get what you owe. is rapture in the lonely beach, there is a society where no one penetrates, at the depths and the music in its noise; I do not love Man less, but Nature more.
2 Geico Marine Ins. Co. v.Shackleford 945 F.3d 1135, 1139 (11th Cir. 2019).