When an insurance company declares your boat or personal watercraft a total loss, the most important question becomes simple:

What was it actually worth immediately before the loss?

 

Cardwell Claim Authority provides independent market valuations for insured boat owners throughout the United States. Our objective is not to create value—we determine and support value through thorough market research, comparable vessel analysis, and professional reporting.

Whether you own a fishing boat, pontoon, wake boat, center console, bass boat, sailboat, or personal watercraft, we perform independent valuations designed to support fair and accurate insurance settlements.

 

We Handle Total Loss Boat Valuations For

• Fishing Boats

• Bass Boats

• Pontoon Boats

• Deck Boats

• Bowriders

• Center Console Boats

• Dual Console Boats

• Cabin Cruisers

• Ski Boats

• Wake Boats

• Surf Boats

• Sailboats

• Personal Watercraft (Jet Ski®, Sea-Doo®, WaveRunner®)

• Inflatable Boats

• Aluminum Utility Boats

 

Our Valuation Process

Every assignment begins with evidence—not assumptions.

Our research may include:

✔ Comparable vessel listings

✔ Recently available market inventory

✔ Year, make and model verification

✔ Engine type and horsepower

✔ Engine hours (when available)

✔ Factory and optional equipment

✔ Trailer inclusion and condition

✔ Electronics and navigation equipment

✔ Hull condition

✔ Overall market conditions

✔ Regional and national market availability

✔ Current supply and demand

Each valuation is independently researched and supported by transparent documentation.

 

Why Independent Valuation Matters

Marine markets can vary significantly by:

• Geographic region

• Season

• Engine configuration

• Hours of operation

• Optional equipment

• Trailer value

• Freshwater vs. saltwater use

• Manufacturer reputation

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Insurance valuation software may not always reflect these factors.

An independent appraisal provides a comprehensive review of the available market evidence.

 

Our Philosophy

At Cardwell Claim Authority, we do not begin with a number.

We begin with the evidence.

Every valuation is built upon:

• Objective market research

• Comparable vessel analysis

• Transparent methodology

• Professional documentation

• Supportable conclusions

Our goal is to provide an independent opinion of value that can withstand professional review.

 

Nationwide Boat Appraisal Services

We provide remote boat total loss valuation services throughout the United States where permitted.

Most total loss valuations can be completed using:

• Insurance documentation

• Photographs

• Vessel information

• Hull Identification Number (HIN)

• Engine information

• Equipment lists

• Market research

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Schedule Your Free Consultation

If your boat or personal watercraft has been declared a total loss and you have questions regarding the insurance company's valuation, Cardwell Claim Authority can provide an independent review of the available market evidence.