Originally Posted by s/v Moondancer
If Bill had run through the middle or lower Caribbean
we might have been looking at another 'insurance crisis' when we came to renew. In Miami
my insurance almost doubled to 3.3% of value, after we were hit by Wilma and Katrina and 100's of boats were destroyed...almost all of which still had their jibs on their furlers!
Phil, in Chagaramas Trinidad because of the insurance requirements.
We have a business...we know a dozen Catastrophic Insurance Adjustors and they know us. We've been to the most damaged marinas
, and coastlines (as well as often inland...FAR Inland, where 140' shrimp boats were in the middle of 4 lane highways, and "Gambling/Casino" Barges were now on the land side of the former Hotel
hosting same). Often the owners had taken every realistic measure they could to secure and protect their investment, stripping them of anything that would catch air and putting it below or removing from the vessel completely. They had their boats set on stands the hard at boat yards, secured to giant concrete tiedowns with pad eyes, in the end, shy having their vessel trailered dozens if not hundreds of miles inland would have been the only legitimate measure.
For every vessel fitting that "be prepared" category above there were/are/will be always (i feel certain) 10 (or a greater number), where they simply, while prioritizing the other preparations in thier lives (or not), the "good old boat" came last on the list (if at all).
Those folks ill-prepared boats, poorly moored or anchored, not enough scope
out, with old or failing lines, no chafing gear
installed, plenty of windage items topsides always break free and come ashore, like the bowling ball to deal it's blow to the row of pins or dominoes all stacked in a row, that's how the travesty usually begins. It's like the tale of a chain only being as strong as it's weakest link. We are only as prepared, no matter how much we do, as the poorest prepared of our neighbors, to windward.
Wish I had a nickel for every vessel seen that was the obvious originator of the particular catastrophe...with docklines still attached, chafed through & shredded, genoa
on the furler
, main & whatever was left of the sail cover
on the boom, dodger
...You name it, if it could have/should have been below, it wasn't.
Get prepared & while You're doing so....look around. If the majority have done, or are doing nothing to minimize damage, Get Your Vessel Out of There...they'll all be on the beach (or worse) in a little while. If You're anywhere close, regardless of Your ground tackle OR Preparations...
THEY'LL TAKE YOU
Same goes for dry docks. Don't just get Your vessel "hunkered down";
Look around note what Your neighbors are doing (or not).