Three Easy Ways to Report Your Claim
We're here for you – no matter when you need us. The best route toward swift claim handling is to receive your claim information as quickly as possible. Not sure how? You can submit a claim with us through these three easy, fast options.
File a Claim Anytime with the Charter Lakes App
File a claim, upload photos, access your policy information, and manage your account directly from your mobile device. You upload everything, we'll do the rest.
Call Us During Business Hours
Contact our Claims Team during regular business hours to speak directly with a Charter Lakes representative and get your claim filed.
Call: (800) 879-2248
After-Hours Emergency Claims
Need immediate assistance outside of normal business hours? Our emergency claims line is available (no matter) when you need it most.
Call: (616) 890-0457
From Claims Submission to Resolution
Once your claim is reported, we guide you through the next steps. Our team works closely with you to review the details of your claim, gather any necessary documentation, and keep you informed throughout the process.
Submit your claim through your preferred method – by phone, after-hours line, or the Charter Lakes app.
A claims specialist will review the details of your loss and determine what information is needed to move your claim forward.
Depending on the type of incident and the carrier providing your coverage, you may be asked to provide additional documentation, like:
- Master's Protest Form: Some claims may require a Master's Protest claim reporting form detailing the circumstances surrounding the loss.
- Photos of Damage: Take photos before repairs begin and before any damaged items are removed from your vessel.
- Receipts for Recently Replaced Items: If damaged or missing items were recently purchased or replaced, include receipts to help with proper claim evaluation.
- Itemized Repair Estimates: Contact us as soon as possible, as a surveyor may need to inspect the damage before repairs are completed.
- Official Incident Reports: Provide any applicable reports from the police department, sheriff's department, U.S. Coast Guard, or other authorities.
- Damaged Parts or Items: Retain all damaged parts in case an adjuster or surveyor needs to inspect them.
We’ll continue working with you and appropriate parties to help move your claim toward resolution – all while keeping you updated throughout the process.
Who You Insure Through Matters
For decades, Charter Lakes has helped boat owners, marine businesses, and commercial operators navigate the claims process with confidence. We work closely with our carrier partners to provide knowledgeable guidance, responsive support, and transparent communication every step of the way – from the moment a claim is reported until it's resolved.
When the unexpected happens, you deserve a trusted partner that's committed to keeping your plans, your business, and your season moving forward.
