Yacht survey procedures:
Yacht survey procedures:
Also
a first similarity between the surveys of large commercial vessels and those on
small commercial vessels and pleasure yacht, there is a clear difference in how
these two types of surveys are processed.
Yacht survey procedures-In surveys
In
surveys of large commercial vessels, the insured has a present technical
representative, usually a superintendent or an expert appointed by him, who can
easily discuss the damage and recommended repairs with the expert of the
insurer.
They
speak the same language, so technically both owner and insurer have
representation roughly equal.
This
does not then where smaller boats are concerned, especially those involving
pleasure craft, the owner usually represent himself and rarely has a technical
representative available unless the yacht is very large.
Yacht survey procedures- Da and Ra Relationship
In
this case, where there is usually something of a Da and Ra relationship between
the insured and the insurer, the situation requires particular attention.
Although
the expert in this case is always designated by the subscriber and is expected
to consider and take care of his interests, concern for the inequality between
the parties usually receives attention with the insurer requires the surveyor
to make assistance to also insured.
One
area where the assistance is most apparent concerns that determine the cause of
the accident.
As
will be explained below under "Reports", a surveyor reports on a
major commercial shipping accident is often intended to omit its opinion on the
cause of damage by his report.
With
the smaller craft, conclusions and opinions as to the cause of the yacht surveyor
is usually transmitted to the insured as well as the subscriber and is included
in the report. It provides the basis on which the owner can make his claim
under the policy.
In
addition, expenses incurred by the expert keeping all consultants who may also
be needed to help determine the cause, namely metallurgists, are also
frequently met in full by the subscriber, even if no request is deemed payable
under the policy.
If,
as is often the case, the insured is familiar with how to go about organizing
repairs, another way is usually expected to help the surveyor is to find a
suitable repairer.
For
other repairs surveyor will likely establish a repair schedule and on behalf of
both parties, discuss the work with the repairer.
Thus,
the expert appointed by the applicant but acting independently and impartially,
should give part of the advantage of his talent with service to the insured as
well.
The
surveyor must ensure that, taking an active part in providing assistance, it is
not seen as the management part of the responsibility of the insured.
For more information regarding yacht surveyors and yacht surveys visit : http://www.theyachtsurveyors.com
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