Tips To Prevent Handling Major Boat Insurance Claims

Operating a boat is a hobby that many people enjoy. While boating is a fun way for people to spend time with their loved ones, various risks are involved. There’s a chance that the boat may suffer damages. You can be stranded on the lake because of a mechanical failure. Luckily, boat insurance covers you in those situations. The key is to avoid potential situations where you have to file severe boat insurance claims. Here are some tips for handling the process.

Boat insurance allows you to stay protected while you enjoy memorable parties and fishing trips with your loved ones. However, it is also true that taking care of a boat can be expensive at times. If your boat isn’t functioning properly, that could lead to a lot of stress and a long list of repairs, potentially damaging your finances. Boat insurance allows you to have peace of mind if an issue arises. While having insurance does reduce potential stress and help you relax a little bit more while you’re out on the water, you’ll save money by avoiding these common boat insurance claims.

  • Natural Disaster Damage

    If you reside in a state that has severe weather frequently, you have to be on alert at all times. Many boat insurance claims involve damage caused by tornadoes, hurricanes, and tropical storms. Natural disasters can cause extensive damage to a boat or even cause it to sink in severe cases. Natural disasters occur most frequently throughout the country between June and November. You should especially be on alert at the end of the summer, which analysts point out is the worst weather season for boaters. Develop a plan for your boat for this. It’s recommended that you add extra lines to help secure your boat against damaging winds. Many marinas will haul boats to safety if a powerful storm, heavy rainfall, and high winds are moving into the area. If your boat is docked, try to remove the boat from the water to prevent the possibility of your boat being damaged or capsizing.

  • Mechanical Malfunction

    Mechanical malfunctioning makes up a significant part of boat insurance claims. While some mechanical issues are likely to occur as your boat starts to age, you can avoid major repairs by performing regular maintenance on your boat. Yearly checkups to ensure that the engine’s proper functioning should be covered through your warranty. Pay attention to possible exclusions. For example, your claim may be denied if debris causes your engine to malfunction and damages to occur. Boat insurance helps cover any repairs that are denied by the manufacturer’s warranty. If you want to avoid mechanical breakdowns, consider having your boat checked by a professional before taking it out on the water. That way, you can make the necessary repairs before using the boat. You can prevent financial strain in the future by taking care of minor issues now before they become significant problems.

  • Major Collisions

    The largest amounts of boat insurance claims occur because of severe collisions. Boats often collide with other watercraft, docks, seawalls, logs, and rocks. It’s important to be aware of your surroundings while you are out on the water. Try to be cautious when you are exploring new areas. Sometimes poor weather makes it difficult for you to navigate your boat. It’s recommended that you avoid speeding. Try to have a lookout on board with you. If you have an enhanced boat, you can lean on your radar and other technological features to guide you in the water.

Consult with Jack Stone Insurance Agency

Boat insurance gives you a layer of protection while you’re out on the water. Learning about these common claims will help you avoid potential problems in the future. If you have any questions about your watercraft insurance policy, contact the agents here at Jack Stone Insurance Agency, and we will assist you.

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