What Is a Boat Insurance Survey?

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A boat insurance survey is a professional inspection performed by a certified marine surveyor to evaluate a vessel’s condition, safety systems, and overall risk profile. Insurance companies use this report to determine whether coverage will be issued, whether policy conditions or exclusions apply, what repairs or safety upgrades may be required, and what insurable value should be assigned to the vessel. Unlike a basic visual inspection, an insurance survey provides documented evidence of the vessel’s condition at the time of underwriting.

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When Do Insurance Companies Require a Survey?

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Most marine insurers require a survey when a vessel is being insured for the first time, when the boat exceeds a certain age threshold, when the insured value exceeds underwriting guidelines, when coverage is renewed after a lapse, or when the vessel has undergone modifications or refits. In the Great Lakes region, insurers also pay close attention to freshwater corrosion patterns, winter storage practices, and safety compliance. If your insurer has requested a survey, it must be completed by a qualified marine surveyor and presented in an accepted reporting format.

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What Does an Insurance Marine Survey Include?

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An insurance marine survey typically includes inspection of the hull and structural components, machinery and propulsion systems, electrical and fuel systems, safety and lifesaving equipment, navigation lights, required onboard safety gear, and general vessel condition. Photographic documentation is included, and a Condition & Value assessment is provided when requested by the insurer. Surveys may be conducted in-water or during haul-out depending on vessel type and underwriting requirements.

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How Much Does a Boat Insurance Survey Cost in Chicago?

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Insurance survey costs vary based on vessel length, vessel type, and whether a haul-out inspection is required. Most surveys in the Chicago area are priced using standard per-foot survey rates consistent with industry norms. Exact pricing is provided instantly through our online survey request form so you can obtain a clear quote before scheduling.

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How Long Does the Process Take?

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Most insurance surveys are completed efficiently. On-site inspections typically require between two and six hours depending on vessel size and complexity. Written reports are normally delivered within 24 to 48 hours after inspection. Rush service is available when closing deadlines or policy renewals require expedited delivery. Coordination with owners, brokers, marinas, and insurers is handled directly to keep the process smooth.

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Why Choose Great River & Lakes Marine Surveying Co.?

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Great River & Lakes Marine Surveying Co. provides insurer-compliant marine surveys performed by a certified professional surveyor with specialized experience in Great Lakes vessels. Reports follow accepted underwriting formats and include clear documentation, photographic records, and detailed findings. Thermal imaging and digital diagnostic tools are available when required. Fast turnaround times and local Chicago presence ensure responsive service throughout the Lake Michigan region.

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Schedule Your Insurance Survey

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If your insurance provider has requested a marine survey, scheduling is available throughout Chicago harbors, Lake Michigan marinas, East Chicago and the Indiana shoreline, as well as seasonal Gulf Coast service locations. We work directly with owners, brokers, and insurers to complete required surveys quickly and correctly.

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