A hurricane can cause extensive damage to boats, trees, and homes. Having the right boat and watercraft insurance in Nashville, NC, can help ensure your vessel is protected during a major storm.

Hurricane Haul Out

Many boat insurance policies include hurricane haul-out coverage. This coverage helps pay for the cost of moving your vessel to a safer location before a hurricane arrives. Depending on the insurer, the policy may reimburse part or all of the expense. Some insurance companies may even arrange for your boat to be moved if you are out of town. Because coverage varies by policy, it is important to speak with an agent at Hedgepeth-Hutson Insurance Services Inc. to understand your protection before a storm forms.

It May Be a Requirement

Some insurers require hurricane haul-out coverage for policyholders in hurricane-prone regions. In these cases, claims may be denied if the boat is not moved within the required timeframe before the storm arrives. Only vessels relocated in accordance with the policy rules will qualify for damage coverage.

Time Limits for Claims

Certain policies state that the boat must be moved before the storm is officially named or before it makes landfall. Policyholders may also need to provide proof of the services they used, and receipts must show the date work was completed. If the boat was not moved within the required period, filing a successful claim may be difficult.

Coverage varies by insurance provider, so it is essential to understand your policy before hurricane season begins. Agents at Hedgepeth-Hutson Insurance Services Inc. can review your boat or watercraft coverage and help you prepare for the next storm. Contact us today. We proudly serve the Nashville, NC, area.