Blog 2019

WHAT DEFINES A BOATING ACCIDENT

Posted On: June 21, 2019


BOATING ACCIDENTS

The United States Coast Guard defines a "boating accident" as one of the following three scenarios: (1) a boat passenger dies or becomes seriously injured; (2) a boat passenger disappears and death or injury is suspected; or (3) a vessel causes or sustains damage.

Boating accidents are therefore not limited to collisions, but may occur whenever a someone is killed, injured or disappears while boating.

Common Causes of Boating Accidents

A number of different factors commonly cause boating accidents:

  • Significantly, over one third of all boating accidents involve a driver who is under the influence of alcohol. All states have criminalized boating under the influence (BUI) and often impose heavy fines on or incarcerate those convicted of such an offense.
  • Severe weather, such as strong winds or heavy rains also cause boating accidents. Sailors may experience difficulty in properly navigating and avoiding collisions, or in keeping a boat upright and afloat under certain weather conditions. Furthermore, lightning strikes may electrocute passengers or damage the boat or on-board electrical equipment. Extreme exposure to sunlight may also cause boat passengers to suffer heat exhaustion and other heat-related illnesses.
  • Boat engines produce toxic carbon monoxide, which may cause death or serious injury if passengers are exposed to high concentrations of the gas.
  • Finally, accidents often occur when inexperienced boaters encounter dangerous or unfamiliar conditions. Boating accidents may be reduced by following the safety guidelines set forth by the United States Coast Guard.

Accident Liability

Generally, persons are at fault for a boating accident if they act negligently. Persons acts negligently if they fail to conduct themselves as a reasonable person under similar circumstances. A reasonable boater would typically adhere to all safety rules and precautions and be mindful of passengers and other boaters. A jury determines whether the boater met the "reasonable person" standard.

Persons who cause a boating accident may incur civil liability, criminal liability, or both. Victims of a boating accident may sue another boater for property damage, medical expenses, and other losses they have incurred as a result of the incident. Additionally, the state may bring criminal charges against a boater if the driver caused an accident while intoxicated or operated their vessel recklessly or with gross negligence.

Accident Reports

The boat operator must file an accident report when a boating accident occurs that causes significant personal injury or property damage. The exact circumstances under which a report must be filed varies between states. The accident report must be submitted to either the applicable state agency regulating boats, the United States Coast Guard, or both. If personal injuries or death result from the accident, the report must be filed within 48 hours of the accident. If the accident caused only property damage, the report must be filed within 10 days of the accident. Failure to report the accident is a crime.

Boating Safety Regulations

Federal and state agencies regulated boating safety. The United States Coast Guard is the federal agency designated as the National Recreational Boating Safety Coordinator. The Coast Guard is authorized to regulate the safety standards of boats and boating related equipment. The Coast Guard strives to prevent and minimize the effects of recreational boating accidents.

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AVOIDING FUEL LEAKS

Posted On: June 17, 2019


The weather is nice, the SUMMER is approaching, so take a little time and make sure your time aboard your boat is safe.


Fuel Leaks

Unless you've been hiding under a rock, you probably know that during last several years, ethanol has been added to gasoline. This can degrade older fuel lines much faster then anticipated. Even newer hoses don't have quite the same lifespan. Degraded fuel lines get brittle and will eventually leak — and a leaking fuel line is a disaster waiting to happen. If your hoses are more then ten years old (proper USCG-approved hoses are date-stamped when they were made), bend them, squeeze them, and see if they move or rotate on the fuel fittings. If so, they're loose enough to leak. Sometimes fuel hoses are accidentally stepped on and damaged during routine engine maintenance. Run your hand along the hose or use a clean white rag and see if you smell gasoline (or worse, see it). If so, replace the hose using approved fuel line. While there are different types for different purposes on a boat, I recommend using only USCG-approved A1-15 hose. This hose has passed rigorous testing and can withstand a 2.5-minute burn test, which is designed to be enough time to put out a fire or abandon ship before the hose begins leaking. Most fuel-line manufacturers suggest that their fuel lines should replaced every 10 to 15 years even if there are no indications of leaks or damage. Proper fuel-lines are marked as shown, below.

Other places gasoline can leak are where hoses connect to other fittings. Fuel-fill spuds, fuel-tank lines and gas-tank gaskets, as well as carburetor and fuel-pump fittings can leak. Use the clean dry-rag method for these areas too.

Preventing Ignition Fire

Gas fumes by themselves are relatively harmless. But the slightest spark can ignite the fumes with great power, enough to blow the deck off of a large boat or throw crew in the water. The other side of preventing explosions is to have no way to ignite gas fumes that may have built up. Any starters, alternators, or pumps — or any other electrical equipment — in your engine room or generator compartment must state that they are "Ignition Protected." Ignition protection is a standard that makes a product, such as a starter or alternator, safe to be installed in an environment that could become explosive. It means it won't spark, which is all that gas fumes need to ignite. Don't listen to the kid at the auto parts store who says auto and marine parts are all the same — they're not. It costs more to make marine ignition-protected parts, but they may just save your life. If you have any reservations about whether something is ignition protected, replace it. Some pumps that you might consider safe because they're installed on your boat are not necessarily ignition protected. Electric raw water pumps, for example, as well as some pumps used for pumping the bilge may not be ignition-protected. A previous owner could have installed a non-ignition-protected pump that could spark on startup. So check that all electrical parts that go on a gasoline engine (or in a gasoline engine space) have a label that says "Ignition Protected." Note: even power tools used in a gasoline engine space can cause a spark sufficient to cause an explosion! Don't take chances.


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FLOAT PLAN BASICS

Posted On: June 14, 2019


A float plan, is a pretty simple way to ensure the safety of everyone aboard your vessel, whether on a multi-day adventure or an afternoon outing. I know many of you will say its not necessary you aren’t going far and you will be where everyone can see you. But suppose you are on an ordinary getaway to your favorite destination; suddenly the fog rolls in, the engine dies, or the wind quits blowing. Or worse, your back goes out while you’re attempting to raise the anchor and you can’t move. You realize you have no cell phone reception. You are either literally or figuratively up the creek without a paddle. All those people who see you, won’t know you are in trouble; and no one will know where to look hours later.

 Whether temporarily stranded or in need of medical attention (when every second counts), you’ve increased the chances of a timely rescue because you shared your float plan with a family member, friend, or someone at the yacht club or marina. Once you fail to return at the time you assigned, the nautical wheels are set in motion to bring you back to port safe and sound.

A float plan may be as simple as a note saying, “I’m heading to Tranquil Cove today and expect to be back around 7:00 pm.” It can also be detailed — yet not very time consuming. There are templates available so you can fill in never-changing information including your boat type, length, color, and vessel name. Attach a photo of the boat and duplicate the semi-completed plan. Then you only have to jot down who’s aboard, the particular day’s destination, and an expected return time before handing it to a responsible person. Safety experts advise you not to leave the float plan on the dashboard of a car or a boatyard bulletin board, as someone with disreputable intentions will see how far away from home you’ll be and for how long.

The U.S. Coast Guard (USCG) has a mobile app with a float plan component among its safety features. Personal information is stored on the phone but not transmitted unless the user chooses to send it, so authorities are neither tracking you nor logging your location unless a need arises.

Occasionally a boater will confess that he or she never bothers with a float plan. The usual excuse is that they only boat in popular local areas where they’d be spotted in case of an emergency and rescued immediately. That may sound reasonable, but does a boat bobbing on the hook in a cove convey outward signs of distress while the skipper’s down below feeling woozy or in pain?

“I don’t want to bother — I just want to hitch my boat to the trailer and go!” is another excuse. What would a loved one say to the authorities if they eventually suspected you might be in trouble but had no idea how to narrow down the search area? Without helpful information to narrow the search, precious time ticks away (and the weather or your predicament may worsen) while the USCG issues a non-specific “missing mariner” notice to all rescue crafts, boaters, and volunteers.

Once you grasp all the things that might happen because you kept your boating plans hush-hush, we’re betting you’ll  spill the beans every time you head out (don’t forget to give your land lookout a heads up when you return to shore after a fun and safe day).

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WHAT YOU DO NEXT CAN SAVE LIVES

Posted On: June 10, 2019


What You Do Next Can Mean The Difference Between Life And Death

Came across this article, and as always, a great read at any time of the season.

It’s your worst nightmare. A fitting may have failed; perhaps you struck a deadhead; maybe you stuffed a wave, or chopped the throttles to avoid a collision, bringing aboard tons of green water. You are taking on water faster than the pumps can evacuate it. What do you do now?

Here are seven steps that form the basis of an action plan. They are ordered by priority, but if you have able and responsible crew that you trust, assign them to handle some of the tasks so things get done simultaneously. Time is of the essence.

Order crew to don life jackets. Also, grab the ditch bag that you assembled with key items like a personal locator beacon, waterproof handheld VHF and signal flares.

Order crew to don life jackets. Also, grab the ditch bag that you assembled with key items like a personal locator beacon, waterproof handheld VHF and signal flares.

Make a mayday call. Hail the Coast Guard on VHF Channel 16, providing your location, the number of souls aboard and the nature of your distress. Wait 10 seconds for a reply before repeating.

Find the leak. If a hose has burst, you may be able to close its seacock. You can also jam wadded clothing into a rudder, prop-shaft hole or crack in the hull. Wedge the wad with whatever is available — knives, fishing rod butts, etc.

Use crash pumps. Inboard and sterndrive owners may be able to disconnect the engine’s raw-water intake hose and use the engine as a crash pump. Drop it in the bilge and get a crew member to monitor the water level: As it drops, throttle back so as not to run dry and overheat. Some boats are fitted with so-called “safety seacock” adaptors, like Groco’s SSC series that provide a valve enabling you to switch between engine intake and bilge at will.

Trim to slow the flow. If the leak is on the starboard side, shift crew and gear to port. Even if the hole doesn’t clear the water, moving it higher slows the flow.

Head for shore. Intentionally grounding on a bar or beach may be better than sinking, if you can avoid jagged rocks or high surf.

Stay with the boat. Many boats will float capsized and make a bigger target for a helicopter. Climb aboard to stave off exposure. 

Have a plan in place.

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WAVE BASICS

Posted On: June 07, 2019

Understanding the Waves 

       

The first rule of waves, especially in the open ocean, is that there are no rules. Kind of a hypocritical statement considering the intent of this, but it is a cold hard fact. There are simple physical factors that makeup the "normal" wave, but within the forces of nature, there a myriad of other factors that need be considered. Regardless, an understanding of what makes a wave can be of considerable benefit  to the everyday sailor.

There are three factors that make up waves:

  • Wind speed Length of time the wind has blown
  • Distance of open water that the wind blows over; called fetch

All of these factors have to work together to create waves. The greater each of the variables in the equation, the greater the waves. Waves are measured by:

  • Height (from trough to crest) Length (from crest to crest) Steepness (angle between crest and trough)
  • Period (length of time between crests)


Waves are never created in one uniform height. Waves fall into a systemic pattern of varying size. Therefore, in order to classify wave height we determine the significant wave height, which is the average of the highest 1/3 of the waves in a system. This is how weather reports will specify wave height. Once you have the significant height, it is simple to determine the theoretical average height, the highest 10% and the highest wave sizes in a given area. Mathematically speaking, it's simple arithmetic based on predetermined ratios:

 

Average height

.64:1

Significant height

1:1

Highest 10%

1.29:1

Highest

1.87:1

TYPES OF WAVES

Waves take their time to develop; they don't spontaneously erupt from the ocean. It takes a certain speed of wind to blow over a certain distance for a considerable length of time to create lasting waves.

There are three different types of waves that develop over time:

  • Ripples
  • Seas
  • Swells

Ripples appear on smooth water when the wind is light, but if the wind dies, so do the ripples. Seas are created when the wind has blown for a while at a given velocity. They tend to last much longer, even after the wind has died. Swells are waves that have moved away from their area of origin and are unrelated to the local wind conditions -- in other words, seas that have lasted long beyond the wind.

The definition of swells can be a bit confusing when you understand that waves never actually go anywhere. The water does not travel along with the waves, only along with the current -- two mutually exclusive elements of water animation. If two people stand at either end of a long rope and undulate their arms up and down in an equal rhythm, waves will develop along the length of the rope that appear to move from one end to the other. The rope fibers aren't actually moving at all, other than up and down. This is exactly what is happening with waves. The speed, or velocity of the wave is measured by how long it would take a wave to pass a given point crest to crest -- say a line drawn on the ground beneath the rope. There is a slight movement of the water particles within a wave, Waves can be further described as:

  • Non-Breaking
  • Breaking

A non-breaking wave, is a "normal" rolling wave. A breaking wave is one who's base can no longer support it's top and it collapses. Depending on the size, this can happen with considerable force behind it -- 5 to 10 tons per square yard. Enough force to crush the hull of a ship. When the ratio of steepness of a wave is too great, it must break. This happens when a wave runs into shallow water, or when two wave systems oppose and combine forces

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BEACHING YOUR BOAT SAFELY

Posted On: June 03, 2019

How To Beach Your Boat
And Leave Again( Safely)

We get asked a lot of questions about beaching boats, especially when they get damaged. Beaching, rather than anchoring, to swim or go ashore can be a great way to temporarily secure your boat, if you do it the right way.

Found thIs article originally                                                                                      

  published By Michael Vatalaro in Summer 2013

 In many parts of the country, boaters gather on beaches and sandbars to swim and socialize. Beaching your boat to take part seems simple enough to do, but in order to make sure your boat is A) still there when you're ready to go, and B) still able to float at that time, it's important to take a few precautions.

Know Your Bottom

While most of the popular spots have sandy bottoms because it's comfortable for swimming, some places have soft mud or muck bottoms that can trap a boat in place, particularly on a falling tide.

Remember every beach is different, and just because you've done this 100 times at your local sandy shore, it doesn't mean the one three miles downwind is the same. Stay alert to the terrain, waves, and weather, and act appropriately, including abandoning the plan and putting out an anchor, or moving on somewhere else if your gut and the elements say it's not safe.

Know Thy Tide Chart

There is no surer way to meet your local TowBoatUS captain than by running up on a beach at high tide. By the same token, an incoming tide can lift a securely beached boat and carry it off, if you're not paying attention. And just because you boat on a lake or river system, don't think you're off the hook. Sudden changes in wind direction can push water away from a shore, or pile it up with the same result. Pop-up thunderstorms strand boats every year on both tidal and non-tidal waters by quickly building up wind and wave action that drive boats ashore before their owners can move them to deeper water.

Come In SLOW

A lot of boaters seem to think they need momentum to push the boat up on the beach or sandbar. Coming in much faster than dead slow only guarantees the sand will scratch up the gelcoat on your keel that much more. A smarter approach is to only motor in to where the water is waist deep, turn off the engine, trim the motor or outdrive all the way up, and then have a crew member go over the side to walk the boat to the desired location with a bow line.

Park So You Can Leave Again

With a favorable (incoming) tide and a protected location with little or no wave or wake action, veteran sandbar enthusiasts will pull the boat inshore until the keel under the bow firmly nudges bottom, and then take the anchor to the beach or further inshore to provide tension to keep the keel against the sand. But this leaves the stern of the boat vulnerable to being swamped by wakes, or for wind or wave action to push the boat parallel to the beach. If the entire keel ends up resting on the sand, it can be difficult to get the boat back into deeper water.

A better method is to march the bow in till the water is just over your knees, and then spin the boat 180 degrees so that the bow faces out toward the deep water (larger boats will require more draft). You can then walk or swim an anchor out to deep water, AND deploy one or two stern anchors or sand spikes on the beach to keep the boat pointed the correct direction.

Hear The Music

Wave action against the bow won't be an issue, and this has the added benefit of giving you and the crew easy access to the boat via the stern, and usually makes it easier to hear the stereo, too. When you are ready to go, pull up the stern anchors, get aboard, and pull the boat to deeper water using the anchor rode.

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UNDERSTANDING FIRE & YOUR BOAT

Posted On: May 30, 2019


FIRE AND YOUR BOAT

 Whether on the water, in your driveway, or tied up to a dock with no one aboard, it's easier for a fire that gets started on a larger, inboard boat to gain some serious momentum before somebody notices it. Most fires can be traced back to maintenance issues in the DC electrical system, the AC electrical system, and the engine (particularly the engine cooling system); a regular maintenance schedule combined with attention to critical components in each of these systems can have a huge impact on reducing the incidence of fire aboard inboard boats.

But what causes the fires in these different areas?

DC Electrical Fires

In a fire study, Thirty-five percent of the fires that originated were caused by problems in the 12-volt DC electrical system but the fire that starts in the wiring under the headliner or behind a panel in the galley is the exception, not the rule. More than half of DC electrical fires, or 19 percent of all fires originating on inboard-powered boats, were associated with either the engine or the batteries, both of which tend to be in the engine room. That's because there are so many things that can burn in the engine room — fuel, oil from a slow leak, or even, in the case of a gasoline engine, gas fumes — once a DC wiring problem creates some heat.  In addition, starting the engine and charging the batteries generate significantly higher amperages than those in most other areas of the boat. These higher loads create more heat where there are undersized wires, lose or corroded connections, or intermittent shorts. Finally, the vibration from the engine increases the likelihood of chafe in such vulnerable areas as the wiring harness and connections to the alternator and the starter.

Preventing these fires comes down to good electrical maintenance on every component of the DC system associated with the engine and the batteries. Regular maintenance — on a monthly basis during the boating season — should include ensuring all connections are tight from the batteries to the starter to the alternator, making sure wiring is supported and secured to minimize the impact of vibration, keeping battery terminals clean, and inspecting wiring for signs of chafe.

Beyond good maintenance, there are three other steps owners can take to prevent DC electrical fires on inboard boats. Wiring harnesses and starters account for the majority of DC electrical fires on boats 25 years old or older. If you have an older boat and the starter and wiring harness are original, consider replacing them. Another problem area has to do with hooking up the batteries at the beginning of the season. Every year, we see cases where the battery cables were reversed or the batteries were hooked up in parallel instead of in series. See Alerts for some suggestions on ways to avoid this slap-yourself-in-the-head mistake.

 AC Electrical Fires

To have 120-volt, alternating current (AC) to run our air conditioners, our refrigerators, and our water heaters aboard, we usually have to plug in to shore power. Even if you don't have any of these luxuries on your boat, you quite likely still plug in to charge the batteries. In the marine environment, the plugs and inlets/outlets in the shore power system are vulnerable to dirt, corrosion, and moisture, any of which can cause arcing that damages the contacts and eventually leads to increasing resistance and heat buildup.  In addition to the cord itself, the data pinpointed a particularly vulnerable link in the shore power chain: the shore power inlet on the boat. And not the entire inlet, but the terminals at the back of the inlet where the boat's wiring is connected. These inlets are particularly vulnerable to water intrusion, and the connections are subject to vibration and corrosion and are often surrounded by material that ignites easily. They should be pulled out and inspected at least every five years. If there's any sign of corrosion, replace them.

Electric heaters, another hazard continue to be a major source of AC electrical fires aboard. While safer heaters have been developed that are less prone to being tipped over or to igniting anything combustible that falls on them, they still draw a great deal of power, and any corrosion in the shore power system (or worse, household extension cords powering heaters) will tend to build up heat somewhere that can result in a fire.

Automotive-style battery chargers don't have the safeguards to protect your boat while the battery is charging, especially long-term. Battery chargers are much like heaters, but in addition to the demands they make on the shore power cords and connections, using an automotive battery charger instead of a proper marine battery charger can easily lead to fires aboard. High-quality marine battery chargers are not only designed for the marine environment with potted components that resist water intrusion, but they also use multi-stage charging regimes and temperature sensors to make sure the batteries get just the right amount of current at each stage of the charging cycle.

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LIGHTNING AND YOUR BOAT

Posted On: May 27, 2019


How Likely Is Your Boat To Be Struck By Lightning?

Here's an article by Charles Fort for BoatUS

Spring and early summer are the most active times for thunder and lightning storms. Here's the good news and the bad.

Thunder stormPhoto: David Keen

According to reports from our BoatUS Marine Insurance claim files, the odds of your boat being struck by lightning in any year are about one in 1,000. Some states, such as Idaho, have no lightning claims (no surprise). But for those of you with boats in Florida, nobody has to tell you that the odds there are greater. Much greater.

Thirty-three percent of all lightning claims are from the Sunshine State, and the strike rate there is 3.3 boats per 1,000. Not surprisingly, the majority of strikes are on sailboats (four per 1,000), but powerboats get struck also (five per 10,000). Trawlers have the highest rate for powerboats (two per 1,000), and lightning has struck houseboats, bass boats, and even PWCs. Lightning-strike repairs tend to be expensive and time-consuming, but there are things you can do to lessen the damage after a strike.

You Can Run, But You Can't Hide

Volumes have been written about methods to mitigate damage or even avert a lightning strike. Lightning, however, doesn't seem to read them. As an example, one boat, fitted with a popular "fuzzy" static dissipater at the top of the mast, was struck twice in one year. Ironically, the second time the bolt hit the dissipater, it happened even though the VHF antenna right next to it was higher. Lightning is unpredictable. While you can mitigate the damage from a lightning strike, there is nothing you can do to prevent one. So here we'll focus on what to do if your boat is hit.

The Extent Of Damage Isn't Immediately Apparent

The first thing you should do if your boat is struck is call your insurance company and get your boat short-hauled as quickly as possible for a quick hull assessment. The reason is that when lightning exits your boat, it can leave via a thru-hull fitting or even through the hull itself. Even if the force of the bolt doesn't blow out a thru-hull or cause hull damage, it may cause a gradual leak that could go unnoticed and sink your boat.

Damage Is Determined By How The Strike Exits

In a properly bonded system that follows American Boat & Yacht Council standards, the strike should follow a low-resistance path to a boat's keel or an installed grounding plate, though few boats are equipped this way from the factory. While no two lightning strikes are exactly alike, examining a typical claim can shed some light on the possible damages your boat might have if it's ever struck; some may not even have crossed your mind. Example: Priority, a 33-foot sailboat, was struck in North Carolina during a July thunderstorm. Sailboats are nearly always struck on the mast — and this one was no exception. A damaged or missing VHF antenna is typically the first sign that an unattended boat was struck. Sometimes bits of a melted antenna are found on the deck.

It's no surprise that electrical devices are susceptible to strikes; NOAA estimates a strike contains around 30,000,000 volts, and a quick zap to a 12-volt device will certainly destroy it. But lightning is like horseshoes: "Close" counts. There can sometimes be collateral damage when a nearby boat gets hit, either the result of the lightning's powerful electromagnetic field or the current induced by the field running through the boat's shore-power cord. This can create strange problems; some electronics may work fine, others that are adjacent might not, and still others may only work partially. In some cases, compasses have been off by 100 degrees.

In one instance, the owner of a 28-foot sailboat noticed an amber LED on his battery charger that he'd never seen lit before, and his depth sounder had quit working. He couldn't figure out what had happened until his neighbor told him his boat had been struck. On another boat moored next to a struck boat, the compass readings were 50 degrees off and slowly returned to normal after a few weeks. But a direct hit usually causes more obvious and substantial damage.

When a boat gets struck, lightning is trying to find its way to ground, typically the water around and under the boat. When a sailboat like Priority gets struck, one of the paths the lightning takes is down the mast; typically, anything that happens to be close by on the way down can be destroyed: wind instruments, TV antennas, radar, lights, and so on.

Fortunately, aluminum is a very good conductor and allows the strike free passage. However, wood and carbon-fiber masts can get damaged because neither one is a good conductor. Thankfully, damage to the rigging is rare. Though mast-mounted components are the most likely to be destroyed, anything on the boat that is electronic can be damaged. As a general rule, if the equipment works OK after the boat was struck, it probably wasn't damaged; it's unusual for electronics to fail months later.

Often the first sign owners have that their boat was struck is that some of the boat's electronics don't work. Look for fuse failures, and if you have more than a couple of blown fuses, look to lightning as a possible cause. Powerboats are typically struck on the VHF antenna or bimini top, and though electronics are often destroyed, passengers are fortunately rarely injured. Sometimes, however, the engine electrical system is damaged. This underscores the need for nonelectronic signaling devices, such as flares, in case your boat is struck at sea and is taking on water or, worse, if someone is injured.

Lightning Can Be Brutal To Fiberglass

In the case of Priority, the lightning traveled down the mast in addition to the VHF coaxial cable. The cable had been disconnected and was resting against the hull inside the boat. When the strike exited the cable, it had no easy way to get to the water. After traveling a quarter of a mile through air, lightning has no trouble going through a fiberglass hull, and this is exactly what it did, blowing a 3-inch hole on the way. Fortunately, the hole was above the waterline, and the boat was saved from sinking.

Powerboats are also susceptible to hull damage and are less likely to have been fitted with a lightning-protection system. Fortunately, the strike usually exits the boat through the props and rudders, and aside from damage to the bottom paint, the running gear is not often damaged (although electronic engine controls sometimes are). Need another good reason to replace a leaking fuel tank? A 25-foot fishing boat with a small amount of fuel in the bilge exploded at the dock when it was struck, sending the contents of the boat's cockpit nearly 100 feet away. Rarely, the claims files show that lightning enters a boat's electrical system and creates enough havoc to start a fire.

Strike By Type Of Boat

Type of BoatChances per 1,000
Multihull Sailboat6.9
Monohull Sailboat3.8
Bass Boat0.1
Runabout0.1
Pontoon Boat0.1
Overall Average0.9

Look For Minor Damage

One component that is often destroyed is a ground fault circuit interrupter (GFCI). This can easily be overlooked after a strike. Though it may still power appliances, the protection circuit is often nonfunctional. A GFCI can be easily checked by pushing the test button on the cover. Other small items to check are handheld radios and GPS, bilge pumps, inverters, lights, and fans. It should be noted that lightning is fickle and boat damage varies enormously; one owner saw his boat struck on the mast and yet none of the electronics were damaged. The only evidence the surveyor could find of the strike was a blackened area on the masthead

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