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Condition & Insurance Surveys in Missouri, Illinois, Kentucky & Tennessee
A condition and insurance survey documents a boat's current condition and safety for an insurance carrier or lender, with findings and recommendations in a written report.
What's Included
- Overall condition assessment
- Safety and compliance check
- Report formatted for insurers and lenders
- Recommendations and findings
- No shop drop-off needed
/HOW IT WORKS
OUR SERVICE PROCESS
- 01
Call or Text for Quick Assessment
Reach out by appointment at (573) 979-3032. Describe your boat's issue and location. We ask quick questions to understand the scope and discuss next steps.
- 02
We Schedule and Arrive
We coordinate a time that works for you—same day if urgent. Our mobile shop arrives with tools and diagnostics ready to begin work immediately.
- 03
Inspection and Free Estimate
We inspect your boat thoroughly, identify all issues, and explain exactly what needs repair. You get a clear cost and timeline before we proceed.
- 04
Complete Repair and Testing
We perform all work to our high standard, test systems, and confirm everything runs. If we find additional issues, we inform you before proceeding.
- 05
Handoff and Support
You get your boat back ready to use. We provide follow-up support—if you have questions or issues, text or call anytime.
Related Services
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Pre-Purchase Surveys
Before you buy, know exactly what you are getting. A thorough pre-purchase survey covers the hull, systems, engines, and safety gear, with a detailed report you can use for negotiation, insurance, and financing.
Learn moreMarine Appraisals
Need a fair market value for insurance, financing, donation, estate, or sale? I provide independent, documented marine appraisals you can rely on.
Learn moreDamage & Consultation Surveys
After an incident, a damage survey documents the extent, cause, and estimated repair cost for your insurance claim. I also provide expert consultation on vessel condition and value.
Learn moreAbout Condition & Insurance Surveys
Common questions and tips from our work with Scott City customers.
- Why is my insurance company asking for a survey?
- Carriers often ask for a current condition survey when they write a new policy, when a boat reaches a certain age, or when a policy comes up for renewal. Lenders may ask for one before financing. The survey gives them an independent record of the boat's condition, safety equipment and value so they can decide on coverage or a loan.
- What happens if the survey lists recommendations?
- Recommendations are items the surveyor found that should be addressed, often ranked by safety importance. Insurers commonly ask owners to correct the safety-related items and confirm the work before or after the policy is issued. Read the list carefully, handle what the carrier requires, and keep receipts or photos showing the work was done.
Tip
Check Safety Gear Before the Survey
Look over the basics before survey day: fire extinguishers charged and in date, enough wearable life jackets in good condition, a throwable device, working navigation lights, a horn or whistle, and current registration numbers on the hull. Flares should be in date where required. Small fixes like these are easy to handle ahead of time and keep the recommendations list short.
FAQ
FREQUENTLY ASKED QUESTIONS
Still have questions? Contact Us
