Even though the boating season is half over, we are well advised to be sure that we have insurance in place, even through the winter. This column is about that.

To File or Not to File

Most of us are familiar with insurance from owning a car. I don’t know about you, but the fear of “assigned risk” and massive spikes in the cost of annual insurance premiums keeps me from putting in for anything on my car unless an asteroid landed on it. How does that translate into boat insurance and, unlike your car where it’s mandated by state law, do I need it?

As noted in a prior column, most boats that do sink do so right in their slip or out on their moorings. Insurance premiums for such losses can run from a couple hundred dollars a year to thousands, depending of course on the value of the boat and her electronic package. It makes sense, to me at least, to protect that 17-foot open-bow Sea Hunt with the 150hp Merc on her transom (worth $20,000 when you bought her) for a couple hundred dollars a year, just in case. Also, as you read in a prior column on groundings, you just might need towing and insurance covers that for a relatively small amount, say $100 a year.

Well Maintained so Why Cover?

Why protect that bowrider if you really take great care to ensure that all the through-hulls are supple, the battery’s well maintained, and all the scuppers are kept clean? Well, if you can assure yourself of such caring attention, maybe it is worth booking the bet. Put the $250 you would have spent in a coffee can and save it year after year. You won’t get to $20,000 in your lifetime but it wouldn’t be the worst thing to take $1,000 out of that coffee can one day and buy a new GPS with a big color screen. (Did I say that you and the boat are getting older, and one day that small black & white GPS is going to be impossible to see…?)

In my personal experience, I had a neighbor’s boat break off its mooring during a nearly month-long nor’easter back in October of 2005 and it set down on my very well maintained 25-foot Chris Craft launch. She sank in seconds on her mooring. It took four days for the storm to abate enough for my commercial tower to be able to raise her. The insurance company didn’t need too much convincing that I wasn’t derelict in maintaining the boat. It also helped that I told the truth on the application when I said she’d be on a mooring and not fast to a dock at a marina…

But what if she had just sunk on her mooring because the scuppers got clogged with leaves and she eventually filled with rainwater and sank as the battery drained down to nothing and the bilge pump wasn’t working? And it doesn’t have to rain much – just enough to have the boat sit lower in the water than she was designed for. Then, wind-driven wave action can ship some water aboard, causing your pride and joy to sit even lower! A vicious cycle, leading to a sinking. Any insurance company is going to look at such facts and consider assigning some blame to you. Translation? Less than full book value.

How about if the wire running from the battery to the bilge pump was found to have been chafed? Not enough to short out (which you might catch several ways such as the circuit breaker tripping) but enough to reduce the juice driving the 1,000gph bilge pump to a trickle. When the insurance company’s surveyor finds that, they will assign some amount of blame to you for not properly maintaining your boat… Translation? Less than full book value.

Look, if you deal with the major insurance carriers, their staff is generally well trained and they’re not out to cheat you. But they aren’t Santa Claus either. If the facts are friendly, you will get what you paid for and you will get it with a smile. When my 25-footer was sunk, for the first 24 hours I was walking around like I had lost a puppy or worse. Then I said to myself, “It’s time for a new boat. Thank God this is only a money issue.” And the insurance company was fast with the settlement, with a smile.

However, if you haven’t been giving your maritime baby the care she needs or ensuring that she’s getting it from the dock master, you’ll find that the kindly insurance adjuster can be as cold as a January arctic blast across Moriches Bay. They are neither your friend nor your foe. They are your insurance company. Give your vessel good care and attention. Let the facts always be friendly. But check whether you are covered for environmental damages like fuel spills associated with the sinking…

If you are interested in being part of USCG Forces, email me at JoinUSCGAux@aol.com or go directly to the U.S. Coast Guard Auxiliary “Flotilla Finder” at cgaux.org/units.php and we will help you “get in this thing.” ■

The Captain of the Port and Sector Commander for U.S. Coast Guard Sector Long Island Sound is Captain Elisa Garrity. CAPT Garrity is responsible for all active-duty, reservist, civilian and auxiliary Coast Guard personnel within the Sector. As a Commodore in the U.S. Coast Guard Auxiliary First District, Southern Region, Vin Pica works closely with CAPT Garrity and her staff to promote boating safety in the waters between Connecticut, Long Island and 200 nautical miles offshore. Sector Long Island Sound Command Center can be reached 24 hours a day at 203-468-4401.