Boat insurance

[Reckless]

 How do insurance companies determine value if you have a total loss? Hell of a time to bring this up. I asked my agent and they couldn't tell me. They say the adjuster does that. NADA do they go by that? If they go by that I am ok. Another way is for me to have a survey done to determine actual market value.
So what is the cost of having a survey/appraisal done? Thanks!! 

[Hotrod]

With Boat US. I have an "Agreed Value Loss"  for total lose.  For Boat and Equipment..  I think I added this to the policy when I got it..  It's what it would cost me to purchase the same boat again that was 3 years old..

[Reckless]

Did you have to have a survey done or appraisal?

[NJ Guy]

mine was just a agreed value for boat and equitment...(state farm)