Boat damage and insurance claims surveyor

Marine insurers, claims adjusters, boat owners and sometimes attorneys or boatyards handling disputes.

Hourly or per-job report fees, often with travel and expenses. Work can come in bursts after storm seasons, so steady relationships with adjusters matter.

• Strong knowledge of boat construction and repair
• Thorough photo documentation and factual report writing
• Staying neutral when owners and insurers disagree

• Professional liability (errors and omissions) insurance, which is especially important for claims and dispute work
• Check with your state about any adjuster or expert witness rules if your reports may be used in disputes
• Income can be uneven and tied to weather events and insurer panels
• Damaged boats can be unsafe to enter, so plan for safe access and protective gear

Startup costs are typically around $3,000 to $12,000, depending on your inspection and photo equipment, training, software and insurance. These are estimates, so price your own setup and check what credentials you need.

Monthly revenue is typically around $2,000 to $9,000, depending on how many claims you take and what you charge. The estimates assume at least about 15 hours a week. Income can be uneven and tied to weather events and insurer panels.

Professional liability (errors and omissions) insurance is especially important for claims and dispute work. Check with your state about any adjuster or expert witness rules if your reports may be used in disputes. Plan for safe access, as damaged boats can be unsafe to enter.