By: Advocate Brokerage
It’s officially Hurricane Season and with 7 anticipated hurricanes and 3 of them predicted (by the Colorado State University) to reach Category 3 status, it may be a good idea to be prepared. Last month we talked about options for keeping your home safe. This month we’d like to talk to boaters.
First and foremost, your personal safety and the safety of your passengers is most important.
If a storm comes in that is predicted to reach hurricane status don’t stay on board – It is not worth risking your life, get to shore, secure the vessel and stay safe.
When it comes to protecting your boat if at all possible, move the boat to safety. That means getting your boat on land and keeping it away from tidal waters and trees that could fall and cause damage. It is also a good idea to remove any electronics and pull the drain plug.
If you can’t move the boat, you’ll want to all you can to make sure it is secure. It may be best to consult a professional for help. A marina manager will be familiar with the shorelines, tide predictions, currents and water levels in the area and will be your best bet to keep your boat as safe as it can. If there is little time to gain assistance and the boat will remain on a mooring, inspect the connections and be sure the mooring can handle the load needed for your boat. You’ll also want to be sure you have enough line to account for predicted water levels. If it will be in a marina make sure to double check that all the attachment points are strong.
Below are a few additional tips to help minimize damage and make the claims process easier:
One Final Word of Advice
After the storm has passed, be very cautious. Electrical wires could make the water very dangerous. Check with the local authorities to be sure waterways are safe, there could be submerged object that could do harm to your boat.
Advocate Brokerage wants to be sure your summer is filled with relaxation and fun! A bit of preparation can go a long way to making sure you weather a storm. If you are new to being a boat owner, Advocate can review your coverage portfolio as a whole to be sure that you have the type of coverage suited to fit your particular needs. We can help you to be sure you have adequate protection for your boat and its passengers without gaps in coverage. If you have questions regarding coverage for your watercraft, we encourage you to give us a call at 914-723-7100.