Pre-Purchase, Insurance and Appraisal

Pre-Purchase, Insurance and AppraisalPre-Purchase, Insurance and AppraisalPre-Purchase, Insurance and Appraisal
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Pre-Purchase, Insurance and Appraisal

Pre-Purchase, Insurance and AppraisalPre-Purchase, Insurance and AppraisalPre-Purchase, Insurance and Appraisal
Home
About
Our Services
More
  • Home
  • About
  • Our Services
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  • About
  • Our Services

Our Services

Pre-Purchase

Pre-Purchase

Pre-Purchase

 

A Pre‑Purchase Marine Survey is a critical due diligence step designed to thoroughly assess a vessel’s condition before finalizing a purchase. 






What It Includes:


1. Comprehensive In‑Water Inspection
Everything visible—deck, cabin, electronics, plumbing, wiring, and mechanical systems—is examined. Report notes “serviceable” vs. faulty components, and highlights any immediate safety issues or deferred maintenance needed 


2. Haul‑Out & Underbody Check
The boat is lifted for a close inspection of the hull’s outer surfaces, keel, propeller, shaft, rudder, cutlass bearing, and through-hull fittings for corrosion or damage .


3. Moisture & Structural Testing
Tools like moisture meters and phenolic hammers detect water intrusion or blistering in fiberglass, wood, or composite structures—key indicators of core or laminate issues .


4. Sea Trial Performance Check
During a sea trial, engine performance and handling systems—steering, controls, engine mounts, exhaust—are tested under load. Sailboats also undergo rigging inspection from deck level .


5. Mechanical & Specialist Recommendations
Surveyors perform visual checks on engines and systems. While not a deep mechanical overhaul, they may recommend a focused engine or rig survey for deeper technical issues .


6. Report & Valuation
You're presented with a detailed report that grades issues (Immediate, Near-Term, Recommended) and provides a fair‑market value estimate based on comparable vessels .

Insurance

Pre-Purchase

Pre-Purchase

 

An Insurance Marine Survey is a specialized inspection typically required by insurers to assess the condition, value, and safety of a vessel before issuing or renewing coverage. Unlike a pre-purchase survey, which is buyer-focused, an insurance survey is tailored to underwriting risk and compliance.


What It Includes:


1. Hull, fittings & equipment: Evaluation includes structural integrity, thru-hulls, deck hardware, rigging, and safety gear 


2. Mechanical & propulsion systems:

 Engines, fuel, exhaust, and drive systems are examined for wear, leaks, and compliance .
 

3. Electrical, navigation & safety systems: 

Wiring, navigation electronics, bilge pumps, lightning protection, and firefighting equipment are evaluated to ensure functionality and ABYC or NFPA compliance 


Note: Insurance surveys do not include sea-trials and will not provide information on cosmetic deficienies nor function of the vessel's electronics or water systems


Appraisal

Pre-Purchase

Appraisal

 

An Appraisal Marine Survey is conducted specifically to determine a vessel’s fair market value, combining assessment of its condition and valuation. It differs from a general condition survey by focusing primarily on value estimation for legal, financial, or administrative purposes.


What It Includes:


1. Condition Assessment: 

A thorough—but often cursory—inspection of the hull, decks, superstructure, machinery, onboard systems (electrical, plumbing, safety equipment), and navigational gear. The goal isn’t in-depth troubleshooting, but sufficient review to support a credible valuation.
 

2. Valuation Analysis: 

The fair market value is determined using factors such as the vessel’s age, make, model, condition, equipment, and current market demand. Comparisons with recent sales and replacement-cost estimates are typically used .
 

3. Report Preparation: 

The result is a clear, concise document that outlines the vessel’s basic specifications, general condition, and established fair market value. It may include photos and commentary but does not delve into extensive structural or mechanical detail

Service Cost

Pre-Purchase Survey

$30 per LOA ft

Insurance Survey

$28 per LOA ft

Appraisal Survey

$26 per LOA ft

Why Have Your Vessel Surveyed?

 

  • Unbiased Guidance: You're the buyer—you're paying for an impartial expert opinion. Sellers or insurers cannot impose conflict-of-interest surveyors .
     
  • Cost Leverage: Survey findings can prompt price renegotiation or buffer against unexpected repair bills .
     
  • Insurance & Financing Requirement: Most insurers and lenders expect a qualified survey—one done by ABYC‑certified, SAMS‑accredited professionals like you

 

  • Underwriting safety: Insurers rely on detailed, accredited reports to evaluate coverage eligibility, premiums, and policy limits. Vessels over 10 years old or high-value often trigger mandatory surveys.
     
  • Risk reduction: Detection of safety or compliance issues protects you and your insurer from preventable claims.
     
  • Accurate valuation: Provides insurable (replacement) and fair market values to prevent under- or over-insurance.

 

  • Estate settlements, divorces, and legal proceedings – where an impartial valuation is required.
     
  • Financing or refinancing, when lenders need a reliable value estimate.


  • Donations to charities – IRS typically requires professional appraisals for vessels valued over a certain threshold.
     
  • Divorce or dispute resolution – providing a neutral, expert valuation to support equitable asset distribution .

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