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Fire Insurance Claims for Marine & Boat

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While only a small number of marine insurance claims each year are for losses due to fires or explosions, the claims that are filed are often very costly for insurance companies. What this means for policyholders is that insurance companies are often very motivated to limit payment of marine fire claims, and it could be a struggle for marine policyholders to get a fair recovery for their losses.

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Do You Know What to Expect When Filing a Marine Insurance Claim?

Do You Know What to Expect When Filing a Marine Insurance Claim?

Learn about the basics of marine insurance to understand marine insurance claims, and seek help for a denied claim from the marine lawyer who wrote this book.

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Marine Fires and Explosions Result in Expensive Losses and Difficult Insurance Claims

While only a small number of marine insurance claims each year are for losses due to fires or explosions, the claims that are filed are often very costly for insurance companies. What this means for policyholders is that insurance companies are often very motivated to limit payment of marine fire claims, and it could be a struggle for marine policyholders to get a fair recovery for their losses.

What Causes Vessel Fires and Marine Explosions

Although marine policyholders take steps to limit fire damages, such as training employees on fire procedures and stocking the vessel with appropriate fire-fighting equipment, fires and explosions can still happen unexpectedly. Electrical fires are probably the most common type of fire on vessels, but it is not unusual for marine fires to start with fuel leaks, heating issues, or even kitchen fires. Explosions that cause damage are often caused by fueling issues and leaks.

Unfortunately, although the damages may look the same regardless of the source, the causes and circumstances of the fire may become painfully relevant during the resolution of the insurance claim. Depending on the coverage that is carried, some losses may be excluded under the terms of the policy in specific circumstances. In some cases, policyholders may have to call upon a legal professional to scrutinize their fire policies and determine their rights.

Why Fire-Related Losses Can Be So Extensive for Marine Policyholders

When a fire or explosion creates losses, marine policyholders can face a complex and costly recovery because fires and explosions can:

  • Cause the loss of an entire ship, especially when smaller crafts are involved.
  • Be responsible for extensive equipment damage, including damage from smoke and fire-fighting efforts.
  • Delay regular business operations.
  • Create liability in matters of cargo loss and contract agreements.
  • Damage the brand image of a marine business.

Additionally, insurance companies aren’t always willing to pay the full cost of marine fire claims, and they may take action to limit what a marine policyholder is able to recover. This may come in the form of delayed claims, low settlement offers, disputes about policy coverage, and even outright denials.

However, it is possible for marine policyholders to organize an effective recovery and fight for the true worth of their fire claims. For more information about negotiating fire-related marine insurance claims, contact our experienced legal team today by phone, or simply take a moment to request your free copy of our book, Your Basic Guide to Marine Insurance.

If No Recovery No Fee Guarenteed

The Voss Law Firm, P.C. represents clients on a local, national and international basis. We proudly serve companies and individuals along the Gulf Coast and around the globe on a contingency fee basis. Our law firm collects nothing unless we recover on our client's behalf.

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The Voss Law Firm, P.C. is headquartered in The Woodlands, Texas where we base our operations focusing on helping policyholders throughout the globe. Our insurance claim attorneys aggressively serve our clients with passion and integrity. Attorney Bill Voss is focused on helping individuals and business owners resolve their property insurance disputes with the passion his clients deserve during such a stressful time in their lives.

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