Over time we have managed to accumulate experiences for each case and its variables, so that we have been able to develop modalities of presentation and analysis of cases that retain the approvals of national and international insurance companies in a reliable and effective manner. Our inspections are accepted by insurance companies and maintain the parameters and standards required by them.
At the time of accident / damage to the yacht, there is a procedure that must be carried out keeping time, scope and correct estimates in order to make an adequate presentation to the insurance company or to agree with the other party involved. Our damage inspection includes technical advice that takes into consideration aspects of the custom, regulations and policies involved.
Damage to a yacht is not always caused by a third party, it applies depending on the circumstances of the event, it can be due to:
Prior to the purchase or sale of a yacht. This inspection verifies the state of the yacht for its valuation, takes into account factors that determine the real value of the vessel and its average market price, as well as other aspects that the buyer wishes to know, such as the state and functionality of its systems, equipment and operational performance of the yacht. This inspection is also used as an evidence basis for the insurance of the yacht.
For any type of reason, whether for purchase, determination of the state and condition of the vessel, insurance or certification of its capabilities, the sea trial constitutes an important sample of the performance of the systems and equipment of the vessel in a live setting. During this test the behaviors and performances of the yacht under specific operating commands are identified, engineering and deck systems are tested.
Inspection commonly required to identify the final condition of a vessel after a repair or upgrade. It also applies as required by the client for commercial purposes or required on some occasions by insurers in a preventive manner. Applies when the vessel performs its work in the shipyard, annually or every longer period according to the maintenance plan.
It has different applications such as:
It consists of the inspection of areas, systems, mechanisms or elements and specific conditions of the ship. It involves the use of detailed reviews that may include the use of special equipment, systems and technologies to determine specific conditions and states. Our damage inspection includes technical advice that takes into consideration aspects of the custom, regulations and policies involved.
Among them:
This inspection provides a specialized reading on the element to be evaluated in order to know in detail its condition and particular performance.
The installation service of the EVODIS 60 Lightning Prevention System is done without prejudice to the parties and at the free request of the client as a protection mechanism for the ship to reduce the risk of receiving electrical overloads due to lightning strikes, every time these are considered "Act of God" or out of the power of control of the human being as an effect of forces of nature, but for which the system presents protection coverage canceling the emission of ascending leaders and ionized channels avoiding the fall of lightning on the boat.
Operation Mode
The equipment must be installed in the highest part of the building. Does not include cable conduit or other landings.
Function
The system prevents the reception of lightning, it DOES NOT attract or conduct it inside the yacht.
Scope
The system works for lightning (natural atmospheric electrical discharges) NOT on artificial or man-made loads (ground current).
Maintenance
The system does not require frequent maintenance, cleaning is recommended every 6 months with fresh water at moderate pressure, its omission does not affect its operation.
IT IS KNOWN THAT EVERY BOAT OR YACHT THAT HAS AN INSURANCE POLICY HAS CLAUSES THAT SHOULD BE TAKEN INTO CONSIDERATION WHEN IN A SITUATION IN WHICH THE USE OF THIS POLICY IS CONTEMPLATED. THEY SET OUT PROTOCOLS AND ORDERS OF ACTIONS THAT SHOULD BE TAKEN INTO CONSIDERATION IN ORDER TO MAINTAIN GOOD COURSE AND SUPPORT FOR A POSSIBLE POLICY CLAIM.
For this the following must be taken into account:
CHECK WHETHER OR NOT THE CLAIM WILL BE FILED ACCORDING TO THE COST AND TYPE OF SCOPE OF THE DAMAGE. It is not always appropriate to file a claim with the insurance company after damage, as its scope is often unknown in the event of a simple or minor damage, that is, one that does not immediately imply a major risk and its repair can be absorbed by the client. However, it may happen that after a while, this initial damage continues to expand its effects to other damages and costs resulting from it. Therefore, it is best to seek advice from professionals (Maritime Works Int. S.A. - Yacht Surveyors) who can advise and determine the degree of scope for its proper notification to the insurance company and the broker.
HIRING ADVISORS AND ASSIGNMENT OF PARTICIPANTS The Client: It is the right of the insured client to hire (Maritime Works Int. S.A. - Yacht Surveyors) so that in compliance with the policy, they can carry out the technical studies and investigation of the scope, determine the cause of the accident and make estimates of the costs of repair or replacement of the damages in advice and representation of the client. The Insurance: Assigns an adjustment company who classifies an expert who will make the request of items to be presented and will make the relevant reviews and verifications as applicable to the scope of the policy, technical expertise and local laws.
FIELD WORK Phase in which (Maritime Works Int. S.A. - Yacht Surveyors) must carry out technical inspections by area and equipment for the identification and estimation of scope. The expenses arising from these inspections must be borne by the affected client. It is possible for the expert adjuster assigned by the insurance company to visit the ship on several occasions.
EDITING AND DELIVERY OF THE CLAIM DOCUMENT Once the items requested by the adjuster have been grouped, the estimates, documents, supports and evidence of the scope and determination of the claim request are presented for review by the adjustment company assigned by the insurance company. In this phase, visits to the ship and verification of the condition of the parts in the claim may apply. The document is delivered to the client who determines the order of delivery and/or delivery channel to the insurance company. (Applicable via broker).
REVIEW OF THE CLAIM DOCUMENT AND ADJUSTMENT The expert appointed by the adjustment company performs the verifications and/or adjustments of values based on the reviews and supports provided by (Maritime Works Int. S.A. - Yacht Surveyors).
ACCEPTANCE / NON-ACCEPTANCE OF ADJUSTMENT The client has the right to demand support for the determinations and grounds for non-acceptances of the adjuster in the event of any disagreement in these. (Maritime Works Int. S.A. - Yacht Surveyors) may make the pertinent revisions for interaction with the adjuster.
ACCEPTANCE OF FINAL ADJUSTMENTS Once the reviews have been completed and adjustments made, the figure and conditions for resolving the case must be specified based on the scope and support presented and supported.
PAYMENT OF CLAIM The insurance company must make the payment according to the conditions of the contract, for which they apply discounts for deductibles according to areas and scope of the condition.
A prerequisite for yacht/boat insurance is the inspection of the condition for insurance. Insurance companies will require an inspection indicating the condition, state and appraisal. This report must be provided by the client who owns the vessel and must support the evaluation criteria for the appraisal of the vessel at the current market value for which the policy will cover it.
The inspection for insurance is based on the establishment of a value that, by replacement, can respond to the current state of the vessel, its capabilities and offers. The determination of its condition may require verification of the operability of the yacht/boat's equipment, nautical performance, systems, navigation and safety equipment.
The hull inspection focuses on the factors and properties that the hull must preserve for safe navigation. We could divide these inspections into two important groups: moisture retention verification and propulsion mechanisms, without leaving aside the common rigors of comprehensive hull inspection.
This inspection is carried out with the yacht/boat out of the water (shipyard) to have access and reach to the parts and components that are located below the waterline.
An important part of the hull inspection is the qualification of the factors that determine a healthy hull that preserves its properties.
On repeated occasions we have witnessed the variations in the behavior of yacht paint after its relationship with the tropical environment, without leaving aside the possibility of effects that may occur due to subsequent application and/or thermochemical reaction.
Subsequent findings on the paint can come from the technique used, the environmental conditions and the operating circumstances of the applicator. The chemical ratio of the compounds used, their firing distance and uniformity of application can play a decisive role in whether, over time, the surfaces can reveal their true colors.
The interpretation of the tolerance margins and percentages for variations and imperfections must be supported by the framework of what is not easily perceptible and what should be. Much will depend on the needs, causes and consequences of the moment of application, the acceptance of terms subject to it and the understanding of that which does not turn out to be, but should be. For example, speed for prompt delivery.
After participating in paint inspections for pleasure yachts, mega explorer yachts and sailing boats, through research processes for international insurance/reinsurance companies and private yacht owners, we can detect possible causes and effects on surfaces and find routes of technical understanding in order to present solution recommendations, whose support gives the parties the necessary understanding and criteria that foster confidence for making correct decisions.
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