As you continue to take precautions to keep yourself and your family safe from the COVID-19 pandemic, it is important to stay prepared for other disasters like hurricanes.
The Atlantic hurricane season began on June 1st. Last month we shared tips on preparing for the hurricane season during COVID-19, but we’ve also created a helpful hurricane checklist that includes COVID-19 considerations such as:
- Including items in your “go kit” that can help protect you and others from COVID-19, such as hand sanitizer, or bar or liquid soap if not available, and two cloth face coverings for each person.
- Make sure to give yourself more time than usual to prepare your emergency food, water, and medicine supplies as some items may be out of stock last minute due to the need during COVID.
- When checking on neighbors and friends, be sure to follow social distancing recommendations to protect yourself and others.
Download the Hurricane Checklist
While there are many questions that remain about how this hurricane season will play out, we will continue to provide information and updates to keep you in the know. If you have any questions or concerns, please do not hesitate to reach out to me.
Ron Lazarto, CPRIA is Client Advisor and Partner at Gulfshore Insurance specializing in Private Risk Services. Ron specializes in offering customized property and casualty insurance solutions for successful individuals and their families. Comments and questions are welcome at email@example.com
The National Insurance Crime Bureau recently released its 2019 Watercraft Theft Report indicating Florida as the number one state for watercraft theft. With most thefts in 2019 occurring during the months of June (517) and July (543), now is the time to make sure you are practicing smart watercraft theft protection.
In a previous article, we offered suggestions for properly securing your watercraft, both in and out of the water. However, in addition to this, monitoring and tracking are additional measures to properly protect your vessel. In a world where you can do just about anything on the internet, it should come as no surprise that you can also keep a close eye on your boat from the comfort of home. In fact, not only are there a plethora of watercraft monitoring options available, but most go much further than simply telling you where your boat is.
At its simplest, a monitor is just a GPS tracker that relays your boat’s position to a computer, tablet, or smartphone via a dedicated app. You can also pre-set a specific boundary—so-called geo-fencing—in which case it will warn you if your boat ever strays too far, much like an anchor alarm. Most GPS units raise an alarm via local cellphone network and therefore only function in areas with reasonable coverage; even with a booster aboard, your range will be just a few miles. If you’re sailing off the beaten track, a more foolproof approach is to employ a monitor with satellite capabilities. In addition to monitoring the position of a watercraft, additional concerns like whether the bilge is filling up with water; the shore-power connection hasn’t tripped; or thieves haven’t helped themselves to high-end electronics are constant.
With respect to water ingress, nearly all monitoring units on the market support a simple on-off bilge level alarm that warns you if the boat begins filling up. Most also allow you to connect a bilge pump to a relay in order to switch it on remotely. Some will even monitor overall bilge pump activity for any unusual patterns. Many systems can also detect a loss of shore power, which is vital for ensuring your batteries stay in good shape at the dock. In terms of intruder detection, at its simplest, this will typically consist of a magnetic relay that is tripped when someone opens a door, triggering an alarm. Going up a step or two in terms of sophistication, pressure mats and even infrared laser entry detection capability are available as part of more sophisticated systems.
Of course, for those in search of the ultimate in remote security, there is remote video, giving you eyes on whatever may have triggered an alarm. Some systems not only include a built-in camera, but also give you the ability to add on dedicated external camera units as well. Many systems are capable of transmitting video directly to your cellphone or computer and even allow you to direct the cameras.
Of course, if the worst should happen and your boat or equipment is stolen and not recovered, it pays to have comprehensive insurance in place. Gulfshore Insurance offers exceptional, all-risk insurance coverage for the spectrum of pleasure yachts and boats, including luxury mega-yachts and sailboats, sport fishing boats, ski boats, personal watercraft, high performance vessels and select charter vessels. For more information on how to protect yourself, contact one of our trusted advisors today.
After a hurricane hits, it’s important that you keep your safety in mind before you begin assessing the damage that was done to your property. Do not return to your home until it is confirmed by authorities that it is safe for you to do so. With the danger of dangling power lines, fallen trees, flooding and more, you’ll want to keep these 8 things in mind when safely returning to your home or assessing it for damage:
- Check your power lines
Beware of loose or dangling power lines and report them immediately to the proper authorities. If you see a power line that’s down, move away from it and beware of any water or other objects touching the lines.
- Don’t use your water
Use your emergency supply of water or boil water before drinking until officials have given word that it’s safe.
- Operate a generator safely
If you’ve lost power, make sure to operate your generator outside your home in a well-ventilated area. Do not operate generators or gas, propane or charcoal grills indoors or near your home’s ventilation areas.
- Protect the exterior
If your home has sustained damage, cover the roof with tarps and your windows with plywood if it is safe for you to do so.
- Clean items left indoors
Dust items with a soft brush and wipe metal objects with a soft, lint-free cloth.
- Assess interior damage
If you have wet or damaged artwork, blot off excess moisture, remove wet backings, mats and frames and keep them in an air-conditioned room. Take pictures of any damage and contact professionals for assistance.
- Inspect your car
Wash any debris from your car and take photos of any damage.
- Use caution while driving
Be aware of fallen power lines, debris on the road, missing signs, or broken traffic lights. Be cautious of any moving water before driving through it, and make sure you have a spare tire.
For more tips on what to do before, during, and after a hurricane, check out these resources from Ready.gov. If you have any questions or concerns, please do not hesitate to reach out to me.
Andrea Pelletier, CPRIA, CPIA is Client Advisor and Partner at Gulfshore Insurance specializing in Private Risk Services. Andrea works with successful individuals and their families on creating and customizing package insurance solutions in the areas of luxury homes, car collections, jewelry, fine arts, watercraft, and personal excess liability. Comments and questions are welcome at firstname.lastname@example.org