If your boat or other property covered by your policy is damaged, please take all reasonable steps to protect your property from further damage. You will be reimbursed for reasonable expenses incurred while protecting your property for all covered losses. Do not begin repairs other than those necessary to prevent further damage.

Our goal at Charter Lakes is to have your marine insurance claim processed and adjusted as quickly as possible. The key to a swift claim settlement is for you, the vessel owner, to provide us with the information the insurance company claims adjusters require to adjust your loss, and utilizing the new Gallagher Charter Lakes app to submit your claim to us is the best way to do this. The app makes it quick and easy to establish your claim and submit photos of damages.  

The following is a list of the items needed by our Claims Specialists to expedite the adjustment and payment of your claim.

Always submit your claim as soon as possible.  Call (800) 879-2248 during normal business hours.  To report a claim by phone outside normal business hours, call us at (616) 890-0457.

  • Depending on the incident and who we have placed your coverage through, you may also be asked to complete a Masters Protest claim reporting form providing the details of the claim you are making.  Click here for the Master’s Protest  form.
  • Photos of the damage – BEFORE repairs begin and BEFORE damaged items are removed from your boat.
  • Retain all damaged parts – In case adjusters need to send a surveyor to inspect the damage. form
  • Itemized repair estimate – Please call us at your earliest convenience as we may need to assign a surveyor to inspect the damage.
  • Incident Report from Police Department, Sheriff’s Department, US Coast Guard or other Authority.
  • If the damaged/missing parts/items have been replaced recently, please enclose copies of the receipts for proper adjustment.
  • Forward all requested information to our office through the app or via email at CharterLakesClaims@gbtpa.com.  If you are not able to email, please fax it to 616-975-0670.

Remember, the sooner we receive the information from you, the sooner we can conclude the claims process.

Please contact our office at (800) 879-2248 during normal business hours, Monday-Friday 8AM-5PM EST.

If our office is closed and you have an Emergency Situation that cannot wait until the next business day, call our Emergency Claims Service at (616) 890-0457.

Thank you!
Team Charter Lakes

Claims are adjusted by Gallagher Bassett Services, Inc.