Join Date: Feb 2010
Location: Narragansett Bay
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Re: Boat sank at the dock
The OP used the term insurance broker. That may be how they refer to all insurance salespeople, however, it technically refers to an individual who sells insurance on behalf of an insurance carrier, but has no ability to act on their behalf. An Agent, on the other other hand, does the same, but can act on the carrier's behalf. Such as binding coverage. In the end, both brokers and agents typically represent several carriers and good ones can help you understand who provides the best coverage, claims processing, etc. Not just the best price, which is too often buying the worst coverage or claims support.
If your broker/agent isn't helping now, they should be kicked to the curb for any more of your business. Helping with claims is partially where they earn their keep.
You're going to have to determine the cause of the flooding, as it could impact your claim. Not every cause is covered in every policy.
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In the harsh marine environment, something is always in need of repair. Margaritas fix everything.