These days, you never know when a storm will hit or how big or strong it will be. That’s why it’s wise to have a plan in place at the beginning of the boating season, so you can feel confident that your boat will be safe and secure – and you won’t have to scramble last minute – if a storm warning or watch is issued.
First, you’ll need to answer a few questions before you can develop your plan:
Your best option is to haul your boat out of the water in advance of a major storm, tropical storm, or hurricane. With a plan in place, you should be able to cut down on the amount of coordination and time this will take.
Many insurance carriers offer some precautionary measures reimbursement to help you move your vessel to safety.
Read the language and pay close attention to things like:
When readying your boat for a storm, expect that there may be storm surges or significant tide changes – and keep those in mind as you prepare your boat. For instance, an extreme low tide could allow a vessel to drop below the dock and become pinned and submerged when water rises again.
Storm surges can also be so significant that vessels that have been hauled ashore could be lifted off their blocks and float into another vessel, object, or even a house if not properly anchored to ground.
Before you leave you boat for the duration of the storm, consider attending to these smaller items:
As always, if your boat sustains damage in a storm, report the claim as soon as safely possible. Mitigating damage as soon as possible can help prevent additional loss.
Speak to an independent agent about your insurance needs.