An insurance survey is a limited condition and value survey which is performed so that the insurance underwriter can assess whether the vessel is an acceptable risk for its intended use.
This survey will not approach the level of a pre-purchase survey and is not for the purpose of making a purchase decision. The primary focus is to identify the vessel, its structural integrity, equipment, overall condition, and general value without testing full system operation.
It also seeks to identify hazardous conditions that pose safety risks to the vessel and its passengers. An assessment of vessel safety equipment as per the U.S. Coast Guard federal requirements is performed. Insurance companies may require an out of the water inspection or a sea trial as a condition of coverage, so ask your underwriter before we survey the boat.
Examination can be conducted by many different non-destructive means including visual examination, percussive sounding, moisture metering, and infrared thermal imaging to find voids, delamination, moisture within the hull, or deteriorated core. It is highly recommended to perform a sea trial and a haul out for bottom and running gear inspection.
We use the FLIR E76 which is the latest infrared thermal camera on the market. Thermal imaging can detect infrared variations in temperature that cannot be detected by the human eye.
A sea trial is conducted to determine if the vessel performs well on the water. A basic engine, steering, throttle, and shift control inspection ensures that it performs as expected.
Xtreme Marine Surveying provides professional surveys for all major boat and engine manufacturers.
