Naples typically experiences at least one or two tropical storms per year, along with hurricanes. These extreme weather events can cause extensive damage or even destroy your boat. Understanding your boat insurance coverage for tropical storm damage is crucial. Pro America Insurance can help ensure you have the proper protection for your nautical investment.

Carefully Review Your Policy

The first step in understanding your coverage for tropical storms is to carefully review your policy, paying close attention to windstorm coverage and exclusions. Additionally, check the section on hail damage. Your policy may require you to take specific steps to protect your boat when a storm approaches. Failing to follow these steps could void your coverage if your boat sustains damage. Review your deductible, as some policies have higher deductibles for tropical storm or hurricane damage. Consider adding specialized endorsements for items like towing or electronics. If you notice gaps in your policy’s coverage, ask about additional options to address them.

Take Steps to Protect Your Boat

The safest place for your boat during a hurricane or tropical storm is on land. If moving your boat to land is not possible, consider placing it in a hurricane hole to ride out the storm. Use a hurricane tracker to ensure you have enough time to secure your boat, and follow your insurance company’s instructions to make it as safe as possible. Shore-tying and anchoring in a well-protected marina can also help minimize damage. Take photos and videos of your boat and any personal property on it to document its condition before the storm.

Discuss your boat insurance needs and explore available endorsements with the experts at Pro America Insurance, serving residents in Naples, FL. Contact our office today to get started.