Insurance Surveys & Underwriting
Do Florida boat insurance companies require a marine survey?
Many insurers require a survey based on boat age, value, type, or coverage requested. Requirements vary by carrier and policy.
What kind of survey does insurance want in Florida?
Often a condition and valuation survey with documented deficiencies and photos. Some carriers specify scope or report format.
How old can a survey be for Florida boat insurance?
Some insurers accept surveys within a certain window (often 1–3 years), but this varies. Confirm with your carrier before ordering.
How often do I need a new survey for insurance in Florida?
It depends on the insurer and vessel age/value. Many require periodic updates, especially for older boats or high-value yachts.
What happens if my Florida insurance survey finds deficiencies?
Insurers may request repairs, impose exclusions, or require proof of correction by a deadline. Keep receipts and photos for compliance.
Do insurers accept any surveyor or only certain ones in Florida?
Some accept any qualified surveyor; others prefer recognized credentials and professional liability coverage. Ask your carrier for their criteria.
Will insurance accept a survey without a haul-out in Florida?
Some may for certain boats, but many prefer an out-of-water inspection. If you can’t haul out, ask your insurer what minimum scope they’ll accept.
What’s the difference between insurance survey and pre-purchase survey?
Insurance surveys may be more focused on risk and safety compliance, while pre‑purchase tends to be more comprehensive for decision-making.
Will a survey include replacement cost for insurance?
Many reports include market value and may include an estimated replacement value if requested. Confirm what valuation type your insurer needs.
Can a survey help lower my boat insurance in Florida?
Correcting deficiencies and documenting upgrades can improve insurability and sometimes premium terms, though results vary by carrier.