The arrival of cooler weather signals the end of the boating season and the start of winterization. As temperatures drop, boaters need to take proper steps to protect their vessel from the risks of cold weather, including freezing and corrosion. If you're not planning on using your boat, it is recommended to complete winterization before freezing temperatures arrive.
Protecting your boat means going beyond the basics to prevent costly mistakes that could lead to engine damage, insurance claim denials, or a ruined start to next season. Below are common mistakes to avoid and an insurance-focused checklist to help with a smart winter layup.
Fuel left untreated over the winter can break down, leading to engine problems in the spring. This is especially true for ethanol-blended fuels, which can absorb moisture and separate.
The fix: Fill your gas tank to at least three-quarters full to reduce condensation. Add the proper fuel stabilizer for your fuel type and run the engine for a few minutes to ensure it circulates through the entire fuel system.
Water left in the bilge can freeze and expand, causing significant damage to the boat's hull or systems.
The fix: Ensure all water is drained from the bilges, live wells, and water tanks. For areas where water might pool, use a sponge to remove it completely.
Many boaters forget to properly drain or flush the engine's cooling system. A single freeze can crack the engine block, resulting in thousands of dollars in repairs.
The fix: Drain all water from the engine and cooling system. Flush the system with non-toxic marine antifreeze to protect against freezing and corrosion.
A cheap tarp or an improperly secured cover can shred in winter winds, allowing moisture and pests to enter the boat.
The fix: Use a high-quality, breathable boat cover or professional shrink-wrap. Ensure there is plenty of ventilation to prevent mold and mildew growth.
Leaving valuable electronics, cushions, and other gear on board can lead to theft, damage from moisture, or pest infestations.
The fix: Remove all electronics, cushions, and other valuable items and store them in a cool, dry place.
In the event of a claim, your insurance provider may require proof that you properly winterized your boat.
The fix: Keep detailed records of your winterization tasks and take photos of the process. If a professional does the work, get a signed, itemized receipt.
Boat insurance policies often include specific requirements for winter layup. Failing to meet these requirements can jeopardize your coverage. By following proper procedures and maintaining documentation, you demonstrate to your insurer that you took reasonable steps to protect your vessel. This can ensure a smoother, faster claim process if an issue occurs.
Proper storage also reduces the risk of incidents that lead to claims in the first place, such as fire from improper heating or damage from freezing. Documentation, including before-and-after photos and maintenance logs, helps establish the boat's condition and can support a claim for covered damages.
Clean and drain: Thoroughly clean the boat, drain all water systems (engine, heads, bilge, etc.), and remove the drain plug.
Protect the engine: Add fuel stabilizer, run the engine, change the oil, and fog the cylinders.
Address electronics: Remove or secure all valuable electronics and disconnect the battery, storing it in a cool, dry place.
Cover and store: Use a high-quality, breathable cover and support it to prevent water pooling. If indoors, ensure proper ventilation.
Document and notify: Take photos of your boat's condition and winterization steps. Review your policy and notify your insurer of your winter layup, confirming any specific requirements.
Don't get caught with a cracked engine block or denied claim this spring. Contact our Marine Insurance Team before you store your boat to ensure your vessel and your policy are protected.
Disclaimer: This is a general guide and should not be considered legal or insurance advice. Always consult with your insurance carrier to understand your specific policy's winterization requirements.