It is safe to say that your boat probably wouldn’t exist without its hull. The hull is what allows the boat to float, steer and carry passengers and cargo.

We all likely know the potential problems that could arise if a boat’s hull sustains damages. The Titanic is a good example. Failure to properly maintain your hull could result in costly repairs and even hull loss. That’s why you need to take care of your hull.

The Costs of Hull Damage

You hull is your boat’s most vital asset. It is also one of the most sensitive parts of the vessel. Experts design hull materials to be very durable. However, the hull experiences direct contact with the water over long periods of time. This does impact the risk of damages increases.

Most boat insurance policies come with varying degrees of hull protection. Hull protection will help boaters make repairs to damages the hull sustains. Boat insurance may even include hull loss coverage. If your boat sinks or experiences another catastrophic loss, hull loss protection may help you replace the boat and some of its contents.

Boaters should strive to protect their hulls above most other systems on their boats.

Tips for Hull Inspections

Checking your hull before and after every sailing should be high on your list of priorities. Doing so will help you reduce your safety liabilities. It will also help you avoid the risk of insurance denying your damage claims. Neglecting your hull could cause your insurance company to deny your claim on the basis of negligence.

• Ensure that you store your boat correctly. Proper storage mechanisms will help reduce the risks of damages while you are not using the boat.
• If you store your boat in dry dock, walk around your hull before you put the boat in the water and after you take it out. Look out for signs of damage.
• Check the interior of the boat for cracks, leaks or damp spots. If you see these problems, don’t take your boat out.
• Periodically clean any buildup, such as sediment or barnacles off of the boat’s outside hull. Wash the boat thoroughly after long periods of use.
• Ensure that the boat always sits on the water in a level way, and meets the water line correctly. Boats should not list or tilt when in the water.
• Check the hull’s lights, reflecting mirrors and other navigational objects on the boat’s body.
• Make sure vital systems like the rudder and engine stay on their proper mounts in the hull.
• Look around the hull for signs of rust, mold or mildew. Remove this buildup using approved materials.

If you suspect any problems with your hull, have it checked by a professional as soon as possible.

Flagler Ins Agency can help you get the right boat insurance for your needs. Call us at 866-998-6155 for more information.