Yacht Claims Adjuster in Miami
Licensed marine public adjusters serving Miami boat and yacht owners. Miami-Dade County, Florida.
Marine Claims Services in Miami
Claims Services
Full-spectrum marine claims representation and consulting for boat and yacht owners throughout Florida. From new claims to denied claims, we fight for what you deserve.
Learn More →Hurricane Claims
When a hurricane strikes, our team of Certified & Accredited Marine Surveyors and public adjusters guides Florida boat owners through the complex process of hurricane damage claims.
Learn More →Free Assessment
Upon contacting our office after a loss, we always provide a free file review, and we will inspect qualifying claims and vessels in person for free.
Learn More →New Claims
When disaster strikes your boat or yacht, our Certified & Accredited Marine Surveyors and licensed public adjusters step in immediately to file, document, and fight for your new insurance claim.
Learn More →Unfair Payout
If your insurance company offered a payout that does not cover the true cost of repairing your boat or yacht, our marine public adjusters step in to fight for the full amount you deserve.
Learn More →Supplemental Claims
If you accepted a settlement only to discover you were seriously underpaid, our marine public adjusters reopen your claim, conduct a thorough inspection, and fight to recover the full amount you are owed.
Learn More →Denied Claims
If your boat or yacht insurance claim was denied, our Certified & Accredited Marine Surveyors and licensed public adjusters review your policy, identify missed coverage, and fight to have the denial reversed.
Learn More →Miami sits at the crossroads of the Atlantic and the Intracoastal Waterway, making it one of the busiest boating corridors in the country. The sheer volume of vessels moving through Government Cut, past Fisher Island, and along the Rickenbacker Causeway creates constant exposure to collision, wake damage, and grounding. When your insurance company offers a fraction of what the repair actually costs, our marine claims services level the playing field.
Hurricane season hits Miami harder than almost anywhere else on the Florida coast. Storm surge flooding at marinas along the Miami River and Bayside can total boats that carriers try to classify as repairable. Scott Gregory Virgin brings 25 years of marine experience to every claim, spotting hidden structural damage that adjusters from the insurance company miss or deliberately ignore. We handle hurricane boat damage claims from initial filing through final settlement.
Denied claims are common in Miami because carriers lean on maintenance exclusions and wear-and-tear language to avoid paying. Saltwater corrosion, bottom paint failures, and electrical system damage all get lumped into "pre-existing conditions" even when a named storm caused the loss. Our team documents every inch of damage with marine survey methodology, building a case the insurer cannot easily dismiss.
From center consoles docked at Crandon Park Marina to megayachts berthed at Island Gardens Deep Harbour, we adjust claims for every type of vessel in Miami. Read what past clients say in our client reviews, then call us to start your claim.
Quick Facts
- County
- Miami-Dade
- State
- FL
- ZIP Codes Served
- 33101, 33109, 33125, 33129, 33130, 33131, 33132, 33133, 33135, 33136, 33137, 33138, 33142, 33145, 33150
- Key Landmarks
- Dinner Key Marina, Rickenbacker Marina, Island Gardens Deep Harbour, Miami River marinas, Crandon Park Marina, Miamarina at Bayside
Neighborhoods We Serve in Miami
Brickell and Miami River
Dense marina district along the Miami River where sportfish and motor yachts face storm surge flooding and wake damage from heavy commercial traffic.
Coconut Grove Waterfront
Historic sailing hub centered around Dinner Key Marina, home to hundreds of sailboats and cruisers vulnerable to hurricane-force winds funneling through the bay.
Virginia Key and Key Biscayne Corridor
Open-water passage between Bear Cut and the Rickenbacker Causeway where groundings on shallow flats and bridge strike damage generate frequent claims.
Upper Biscayne Bay
Anchorage and mooring field area stretching north toward the Julia Tuttle Causeway, where liveaboard vessels and transient boats sustain anchor-drag damage during squalls.
Marine Insurance Challenges in Miami
Miami sits in the direct path of Atlantic hurricanes, and the flat coastal geography offers zero natural protection from storm surge. Marinas along the Miami River regularly flood during tropical systems, trapping vessels against seawalls and pilings. The resulting hull damage, engine flooding, and electrical failures create complex claims that insurers fight hard to minimize.
Beyond hurricanes, daily boating conditions in Biscayne Bay bring their own risks. Shallow sand flats near Stiltsville and the Safety Valve cause frequent groundings that damage running gear, props, and hull bottoms. Heavy commercial traffic through Government Cut creates dangerous wake zones that slam docked boats against pilings. Salt spray and tropical humidity accelerate corrosion on every metal component above and below the waterline.
Insurers operating in Miami apply aggressive coverage restrictions because of the high claim volume. Deductibles climb during named storm season, and carriers regularly dispute whether damage was storm-caused or pre-existing. Without a marine-specialized public adjuster reviewing your policy and documenting the loss, you risk accepting a settlement that does not reflect what your claim is actually worth.
What Our Clients Say
Insurance is so confusing... but Scott was AMAZING! He had patience, knowledge, and understanding to my situation and advised me on how to navigate and move forward with my boat claim. I can confidently make the decisions I have to make without being intimidated by my insurance company! You can trust what he says...he doesn't have ulterior motives... Just wants to help you! Too bad, I could only give him 5 stars... I would have given him 10 stars!
Scott and Valeria were extremely helpful and professional in providing their knowledge and guidance through this most difficult ordeal. And their help turned out to be free! After paying insurance premiums on my boats over the years, my first attempt at filing a claim was a disaster. In the first 4 weeks after Hurricane Ian, I had several conversations with insurance adjusters, but never the same person twice. Fortunately, by the time I was provided with what appeared to be a permanent adjuster, I had already spoken to Scott and Valeria. In my meeting with this adjuster, I asked for a copy of the insurance company's estimate, telling him that Scott would be reviewing it and the boat. A written estimate was provided within 2 days of the meeting. It was shared with Scott immediately. After Scott reviewed the boat and the estimate, he called to tell me that I was lucky. I had gotten a fair estimate and did not need to hire him. Responsible, knowledgeable, and honest. WOW!
Excellent service, Scott and Valeria work extremely hard to deliver services that are 2nd to none. They went above and beyond with service excellence. I had a 1981 O'Day sailboat that was submerged underwater, and they made sure that I got a just and fair settlement.
Marine Claims Expertise in Miami
Public Yacht Adjusters is based in Miami and serves boat and yacht owners throughout Miami-Dade County and beyond. Our team of Certified & Accredited Marine Surveyors and licensed public adjusters knows the Miami waterways, marinas, and the specific challenges that local vessel owners face.
Whether you are dealing with a new claim, an unfair payout, or a denied claim, our marine-specialized team fights for the settlement your policy allows. We bring 25 years of marine experience to every inspection and negotiation.
Need Help With a Miami Boat Claim?
Schedule a free damage assessment. No obligation, no upfront cost.