Can Heavy Rain Sink a Boat?

When it comes to boat safety, many people focus on the dangers of high winds and waves. But what about heavy rain? Can that actually sink a boat?  In short, the answer is yes.  Heavy rain can also cause other damage to your boat, such as wind damage, hail damage, and flooding. All of these can be covered by boat insurance, so it’s important to make sure you have a policy in place before severe weather hits.  If you’re wondering how to protect your boat from heavy rain, read on for some tips.

Sinking Boats and Other Damages

Heavy rain can cause serious damage to boats in a number of ways. The most obvious way is by sinking the boat. The weight of the water can overwhelm the boat, causing it to take on water and eventually sink. This is more likely to happen with smaller boats, but even large boats can be at risk in extreme conditions.  However, your boat likely will only sink if something else is going on with it.  For example, if the drains are blocked with dirt or other debris, the rainwater will not be able to escape the boat.  The water needs to be able to escape the boat as quickly as it is entering it – that’s what keeps it from sinking.

In addition to sinking, heavy rain can also cause wind damage, hail damage, and flooding. All of these can be covered by boat insurance, so it’s important to make sure you have a policy in place before severe weather hits.

If you’re wondering how to protect your boat from heavy rain, read on for some tips.

The Importance of Boat Insurance

Many people don’t realize it, but boat insurance can actually cover a lot of different types of damage, including damage caused by heavy rain. So if you’re worried about your boat being damaged or sunk by heavy rains, make sure you have a good boat insurance policy in place.

Boat insurance will cover a myriad of different damages to your boat.  These may include:

• Damage to your boat
• Liability
• Medical payments
• Fuel spill liability
• Damage to another bote
• New boat replacement
• Salvage coverage and wreck removal

You can also choose to include:

• Towing options
• Disappearing deductibles
• Ice & freeze coverage
• Coverage for your personal and fishing property

The price of your boat insurance will depend on many factors, including the size and type of the boat, how much coverage you want, how your boat is used, and how you plan to store it.

Of course, even with insurance, it’s always better to try to avoid damage in the first place. If you’re wondering how to protect your boat from heavy rain, read on for some tips.

Protecting Your Boat From Rain

There are a few things you can do to protect your boat from heavy rain. First, make sure you have a good boat insurance policy in place. This will help cover any damage that might occur.

Second, be aware of the weather forecast and be prepared to take action if severe weather is expected. If possible, bring your boat inside or to a sheltered area before the storm hits.  Alternatively, if you can’t keep your boat in a sheltered area, you may want to invest in a boat cover.  Even if it is not going to rain on the days you do not plan to take the boat out, the cover will keep your boat protected from the elements.  

Third, if you’re caught in a storm while out on the water, try to head for shore as quickly as possible. And finally, don’t forget to check your boat for damage after the storm has passed.

Lastly, always check the status of your boat before you leave it.  This includes checking the bilge pump, making sure the drains are clear, and making sure there are no holes in the hull or any other part of the boat.  You will want to also put that boat cover on as well, just in case.

By following these tips, you can help protect your boat from heavy rain and other severe weather conditions.

Contact Robinson & Stith For a Boat Insurance Policy

Whether you’re caught in a storm while out on the water or dealing with heavy rains at home, it’s important to know what to do to protect your boat. By following the tips in this article, you can help keep your boat safe during heavy rainstorms. And if you have any questions about your boat insurance policy, don’t hesitate to contact your agent.

Are you looking for a boat insurance policy near the New Bern, North Carolina area?  If so, contact us here at Robinson & Stith!  Our agents are experts in the insurance industry and are able to work directly with large insurance companies to help you find the most valuable boat insurance policy for your specific situation at the most affordable price.  We look forward to hearing from you soon to help you keep your boat protected!