Boat & Marine Insurance

Hurricane Season Preparation & Impact on Your Boat Insurance

Wells Insurance
Hurricane Season Preparation & Impact on Your Boat Insurance

Hurricane season is fast approaching, and for boat owners in southeastern North Carolina, it’s time to prepare. The region is no stranger to the devastation that hurricanes can bring, so taking the necessary steps to safeguard your vessel and ensure you have the right insurance coverage is crucial. Here’s how you can prepare for the stormy months ahead.

1. Review Your Boat Insurance Policy

Before the season officially starts, take a close look at your boat insurance policy. Some coverage types may have exclusions or specific conditions regarding hurricane damage, so it's essential to ensure that you’re adequately covered. Pay attention to:

  • Wind and hail damage: Make sure that wind damage, particularly from hurricanes, is covered. Some policies may have higher deductibles or special conditions for storm-related claims.

  • Flood damage: Flood insurance is a must, especially if your boat is docked in a flood-prone area.

  • Liability coverage: In case your boat causes damage to another vessel or property during a storm, liability coverage will protect you from potential lawsuits.

2. Hurricane Preparedness Checklist

  • Docking: Move your boat to a safer location if possible. Secure it tightly to its dock, and use additional lines or fenders to protect the boat from high winds and rising waters.

  • Storage: If you can’t move the boat, consider hauling it out of the water and storing it on land in a secure, sheltered area.

  • Evacuation: Know when and how to evacuate your boat, and ensure that you have a plan in place in case the storm is approaching quickly.

3. Document Your Boat’s Condition

Before a hurricane or tropical storm, take comprehensive photos or videos of your boat’s current condition. This documentation will be vital in case you need to file an insurance claim later. Make sure you capture the boat’s interior, exterior, and any accessories or equipment.

4. Know Your Local Evacuation Routes

Familiarize yourself with the local hurricane evacuation plans, as these can vary by county. Stay informed through weather alerts, and don’t hesitate to act quickly if an evacuation order is issued.

The Importance of Early Action

Preparing your boat for hurricane season can help minimize damage and ensure you are fully covered. By taking proactive steps to secure your vessel and reviewing your insurance coverage, you can rest easy knowing that you're ready for whatever nature throws your way.

At Wells Marine Insurance, we understand the unique risks that boaters face, especially during hurricane season. Our team is here to help you review and adjust your policy to ensure you’re properly protected. Contact us today for a free policy review and to discuss your hurricane season preparation!