Over the past few weeks, we've talked about how to protect your home and your business during a hurricane. As a boat owner, there's a whole new round of preparations to take to protect your vessel during a storm. Hurricanes can wreak havoc on watercraft, whether they're anchored in a waterway, docked at a marina, or stored in a dry dock. This blog will guide you through the essential steps to secure your boat during a hurricane, reducing potential damage and ensuring a quick return to the water post-storm.
Preparations for All Boats
Regardless of where your boat is located, there are general steps every boat owner should take as part of their hurricane preparation:
Review Your Insurance Policy
Make sure your insurance coverage includes damage from hurricanes and understand the specifics of what is covered. Remember to review your policy regularly to keep it updated.
Document Your Boat
Take detailed photos and videos of your boat for pre-storm documentation. This can be crucial if you need to file an insurance claim after a hurricane.
Secure Important Documents
Store boat registration, insurance documents, equipment inventory, and other important papers in a secure, waterproof container.
Remove Valuables
If a hurricane warning is issued, remove any valuable equipment that could be damaged or lost in a storm.
Anchored in a Waterway
If your boat is anchored in open water, consider the following precautions:
Relocate if PossibleIf it's safe and feasible, move your boat to a safer location, such as a hurricane hole—well-protected bodies of water surrounded by numerous sturdy trees.
Check Your AnchorEnsure your anchor is adequate to withstand the storm. Use multiple anchors if possible.
Secure All OpeningsClose and secure all hatches, windows, and doors to prevent water intrusion.
Docked at a Marina
For boats kept at a marina, additional measures can increase their chances of weathering the storm:
Assess the Dock
If your boat is docked, ensure that the marina or dock has sturdy pilings and that your boat isn't likely to pound against the dock or other boats.
Double-Up on Lines
Use extra lines to secure your boat and allow for any tidal surge. Use chafe protectors to prevent lines from wearing.
Disconnect Power
Unplug shore power cords, antennas, and any other connections between the dock and the boat.
Dry Docked or in Storage
When your boat is stored on land:
Choose the Right Location
If possible, store your boat in a dedicated boat storage facility designed to resist high winds.
Securely Block and Strap
Ensure your boat is properly blocked and add extra supports if needed. Secure your boat to the ground using heavy-duty straps and ground anchors.
Cover Tightly
Use a well-fitted boat cover that is strapped down tightly. Make sure there's no loose fabric that could get caught in the wind.
Navigate Your Hurricane Claims with Harrell Adjusting Services
While these measures can significantly decrease the likelihood of damage, nothing is entirely foolproof. If your boat does suffer damage from a hurricane, our experienced team at Harrell Adjusting Services can assist you with the claims process. We'll advocate for you and work to ensure all damage is adequately documented, helping you to get the maximum payout from your policy. It's our goal to help you get back to boating as quickly as possible. The threat of a hurricane can be daunting, but with proper preparation, you can protect your boat and weather the storm.
Needing some guidance with your claim?
At Harrell Adjusting Services, we can help!
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