In recent years, there have been numerous boat and yacht insurance claims associated with storms.  It goes without saying that most Floridians are familiar with hurricanes and tropical storms.  Furthermore, no one ever anticipates the amount of damage that could be left behind in their wake.  Granted, the severity of hurricane force winds can be as destructive as that of a tornado.  However, storm damage to boats, yachts, and other types of watercraft could be lessened dramatically by following these helpful tips.

Be proactive – don’t wait for a hurricane warning to be announced, take action with your yacht while the waves are not swelling and the wind can still be managed.  It’s always better to be proactive rather than reactive.

Complete the hurricane drill – this is especially true if you’re a first-time yacht owner.  Think about doing this around the start of hurricane season.  Delegate tasks to anyone who’s involved in your preparedness plan.  This will ensure that all your bases are covered.

Find out if your marina has an “action” plan – most marina managers have an action or hurricane preparedness plan in place.  However, as an independent yacht owner, you should have your own plan and resources (crew members, family, friends, etc.) in place so you’re self-sufficient.  If you’re not harbored in a marina, contact one near you and ask them for advice.

Have plenty of back-up supplies available – make sure that you have the following back-up supplies:

  • duct tape, electrical tape, and masking tape
  • nylon straps with ratchet adjusters
  • fender boards
  • spare dock lines
  • spare fenders

Pay close attention to weather forecasts – develop and maintain an “eye” for the weather.  This involves paying closer attention to weather forecasts especially during hurricane season.  Technically, hurricane season begins on June 1st and ends the 30th of November with August, September, and October being the months where the risk is the highest.

Plan far enough ahead – develop a written emergency plan with all the steps needed to be taken in the event that a hurricane is approaching.  Make sure everyone involved has a copy of it.  All of your hurricane prep should be completed before June 1st.  Make sure the following is done:

  • double-up dock lines by having storm lines in place
  • have chafe gear on your dock lines
  • protect your topsides by having fender boards and fenders in place

Try putting 4’ to 6’ of chain around dock pilings – this will serve as the chafe gear on the storm lines.  This ensures that the chains will be rubbing against the pilings, not your docking lines.  Obviously, the pilings have to be stronger than the fasteners and the dock cleats. It is important to remember that cleats pull out, and the fasteners shear off.

In addition to the above and once the storm has passed, consult with local authorities in advance or before you enter any areas with storm damage.

Call 1-800-585-1665 today to request a quote from InsureAnyBoat.com