It has been m experience that few insurance brokers actually read the surveys and of those that do most don't understand what they are reading. There are notable excepetions, BoatUS has people that read each survey and will call the surveyor for clarification if need be. Drew Robertson of Skippers Plan also understands what he is reading, few others do. Witness the surveys they accept .... HULL - Good, ENGINES - Two
This industry is a shoddy amateur hour from one end to the other.
It is very interesting that you say that. While I have priced a different insurance companies at various times, I have has BoatUS insurance almost continuously since some time in the mid-1970's. I have always been impressed with the knowledge of the adjusters and underwriters and assumed this was typical of all marine insurance companies. If I remember the details correctly, when I bought Synergy, BoatUS agred to bind the boat for 10 days (since I had coverage on my prior boat) but I had to send BoatUS the survey on Synergy within that 10 days of buying the boat. I emailed the survey to BoatUS as soon as I decided to proceed with the purchase. If I remember right the next day I received a call from the underwriter who went through the survey to make sure I knew what BopatUS considered to be port restricted safety items, and items that the Insurer considered as strong recommendations. It was a surprisingly detailed call from someone who clearly understood boats. (The underwriter owned a J-30.)
I am sorry to hear that this is not typical of marine underwriters. I was an experienced sailor at the time, and yet some of the suggestions were good ones that I might not have picked up on. For example, the surveyor noted that some of the PFD's looked worn out and the BoatUS underwriter recommended removing those from the boat so someone does not grab them in an emergency. I am not sure that I would have paid attention to that if it had not been suggested, I might have, but it was a good highlight. After the survey review with the Underwriter, my thinking at the time is that a lot of folks are buying first boats and this kind of review would be extremely helpful to them.
I have never been clear on whether BoatUS made that type of call to everyone or just to people like me, who filed the survey before closing the deal on the boat and who had very serious safety hazards found during the survey. In my case, I knew about the big issues and had planned to address them anyway, but it certainly motivated me to correct these items quickly so I could use my new boat.
I sent you a PM from the message above.