NO Charge unless we successfully settle your insurance claim!

Marine Public Adjusters

Florida Marine Public Adjusters

Expert Insurance Claim Representation by Pajoe Public Adjusters

Protecting Boat Owners, Yacht Owners, and Marine Property Across Florida

Florida is one of the world’s premier boating destinations. From center consoles and sailboats to luxury yachts and commercial vessels, millions of dollars in marine assets operate in Florida waters every day. But with that opportunity comes risk—storms, accidents, fires, sinking events, theft, vandalism, and complex insurance disputes that can quickly turn into financial disasters for boat owners.

When a marine loss occurs, insurance companies do not work for you. Their goal is to limit exposure, reduce payouts, and close claims quickly—often before the full scope of damage is discovered. That is where a Florida Marine Public Adjuster becomes essential.

At Pajoe Public Adjusters, we represent boat owners, yacht owners, marinas, and marine businesses throughout Florida. Our role is to protect your interests, fully document your marine loss, and pursue the maximum insurance recovery allowed under your policy.

What Is a Florida Marine Public Adjuster?

A marine public adjuster is a licensed insurance professional who represents the policyholder, not the insurance company, during a marine insurance claim. Unlike the insurance company’s adjuster—who works to minimize payouts—a public adjuster works exclusively to maximize your recovery.

Marine claims are significantly more complex than standard property claims. They often involve:

• Hull and machinery policies
• Protection & Indemnity (P&I) coverage
• Navigational limits
• Salvage and recovery clauses
• Partial loss vs. constructive total loss disputes
• Depreciation and betterment arguments

Without expert representation, many marine claims are underpaid, delayed, or wrongfully denied.

Why Marine Insurance Claims Are So Frequently Underpaid

Florida marine insurance claims are among the most aggressively challenged claims in the insurance industry. Common tactics used by insurers include:

• Claiming damage was pre-existing
• Arguing improper maintenance
• Misclassifying the cause of loss
• Underestimating repair costs
• Ignoring hidden or secondary damage
• Applying exclusions incorrectly

Boat owners often trust the insurance company to “do the right thing,” only to discover months later that they accepted a settlement that didn’t come close to covering the real cost of repairs.

Why Choose Pajoe Public Adjusters for Florida Marine Claims

Pajoe Public Adjusters brings deep experience in complex loss claims, including marine and water-related losses throughout Florida. We understand how marine policies work, how insurers evaluate risk, and where claims are commonly undervalued.

What Sets Us Apart

• Licensed Florida public adjusters
• Extensive experience with large and complex losses
• No upfront fees — we only get paid if you recover
• Detailed inspections and documentation
• Aggressive negotiation with marine insurers
• Policyholder-first strategy at every stage

We don’t rush claims—and we don’t accept low settlements.

Types of Marine Insurance Losses We Handle in Florida

Fire Damage to Boats and Yachts

Fire is one of the most devastating marine losses. Whether caused by electrical failure, engine issues, fuel systems, shore power connections, or onboard equipment, boat fires often result in total or near-total losses.

Fire damage frequently includes:

• Structural hull damage
• Engine and mechanical destruction
• Electrical system failure
• Smoke and soot contamination
• Heat damage to wiring and fiberglass
• Water damage from firefighting efforts

Insurance companies often underestimate fire losses by focusing only on visible damage. At Pajoe Public Adjusters, we conduct comprehensive marine inspections to identify all direct and indirect fire-related damage and pursue the full scope of recovery.

Sinking and Partial Sinking Claims

Sinking events are among the most complex marine insurance claims. Even partial sinking incidents can cause catastrophic hidden damage that insurers frequently undervalue.

Common causes of sinking include:

• Hull breaches
• Failed through-hulls
• Mechanical failures
• Storm surge
• Improper repairs
• Dock or marina incidents

Water intrusion can damage engines, transmissions, electrical systems, interiors, and structural components—even if the vessel is later refloated.

We work to ensure insurers properly address:

• Salvage costs
• Environmental mitigation
• Mechanical and electrical damage
• Corrosion and long-term deterioration
• Constructive total loss evaluations

Water Damage to Boats and Marine Vessels

Water damage is not limited to sinking events. Even small leaks can cause extensive long-term damage if not properly addressed.

Water damage claims may involve:

• Deck leaks
• Cabin leaks
• Plumbing failures
• Air conditioning condensate issues
• Bilge system failures
• Rain intrusion

Insurance companies frequently argue that water damage is “gradual” or maintenance-related. Our job is to establish the cause of loss, connect it to a covered event, and document the full scope of damage.

Mold Damage in Marine Vessels

Mold damage is extremely common in Florida’s marine environment due to heat, humidity, and enclosed spaces. Mold can spread rapidly through cabins, upholstery, insulation, and ventilation systems.

Insurers often attempt to deny mold claims by alleging:

• Pre-existing conditions
• Improper maintenance
• Policy exclusions

As experienced Florida public adjusters, we work to demonstrate how mold resulted from a covered water loss, document contamination, and pursue proper remediation costs.

Marine Accidents and Collisions

Marine accidents can occur at sea, in marinas, or while docking. These claims often involve multiple parties and disputed liability.

Accident-related marine claims may include:

• Hull damage
• Mechanical damage
• Structural compromise
• Damage caused by another vessel
• Dock and marina damage

Insurance companies may attempt to shift responsibility or minimize repair estimates. We help protect your interests and ensure damage is fully documented and properly valued.

Theft of Boats, Engines, and Marine Equipment

Marine theft is a growing problem in Florida. Outboard engines, electronics, personal property, and even entire vessels are frequent targets.

Theft claims often involve disputes over:

• Actual cash value
• Depreciation
• Policy limits
• Security requirements

We assist clients in recovering compensation for stolen vessels, engines, electronics, and onboard equipment.

Vandalism and Malicious Damage

Vandalism claims may include:

• Hull damage
• Interior destruction
• Electrical tampering
• Broken windows or hatches
• Cut wiring or hoses

Insurance companies may attempt to classify vandalism as wear and tear or neglect. We document malicious damage and pursue proper coverage.

How Pajoe Public Adjusters Handles Florida Marine Claims

Step 1: Policy Review

We analyze your marine insurance policy to identify all applicable coverages, endorsements, and limitations.

Step 2: Detailed Marine Inspection

We inspect the vessel thoroughly—often uncovering damage missed by insurance adjusters.

Step 3: Documentation & Valuation

We prepare professional damage assessments, repair estimates, and supporting documentation.

Step 4: Claim Management & Negotiation

We handle all communication with the insurance company and negotiate aggressively for a fair settlement.

Step 5: Resolution

We work toward full and proper claim resolution—without unnecessary delays or lowball offers.

Who We Represent

• Private boat owners
• Yacht owners
• Charter operators
• Marina clients
• Commercial marine operators

From small watercraft to large yachts, Pajoe Public Adjusters provides expert claim advocacy throughout Florida.

Why Timing Matters in Marine Claims

Delays can seriously harm your claim. Evidence deteriorates, corrosion worsens, and insurers gain leverage.

The earlier a Florida marine public adjuster is involved, the stronger your claim position becomes.

No Recovery, No Fee

We work on a contingency basis—meaning we only get paid if you recover. There are no upfront costs, no hourly fees, and no risk in having your claim reviewed.

Free Marine Damage Inspections Across Florida

Not sure if your marine damage is covered? We offer free, no-obligation inspections and consultations for Florida boat owners.

Many clients are shocked to learn how much additional compensation they were entitled to—but never told about.

Contact Pajoe Public Adjusters

Florida Marine Public Adjusters Who Work for YOU

If your marine insurance claim has been denied, underpaid, delayed, or disputed, don’t face the insurance company alone.

Pajoe Public Adjusters works for policyholders only—not insurance companies.

We don’t get paid unless you do.

Please keep in mind that in order to thoroughly document your loss and maximize your insurance claim recovery, it may be necessary to retain specialized third-party professionals, such as independent appraisers or licensed marine surveyors. Any services provided by these outside experts are not included in our public adjusting fee and will be billed directly to the insured, who will be responsible for payment.