ON AIR NOW

LISTEN NOW

Weather

clear-night
39°
Sunny
H 60° L 37°
  • clear-night
    39°
    Current Conditions
    Sunny. H 60° L 37°
  • clear-day
    56°
    Afternoon
    Sunny. H 60° L 37°
  • clear-night
    47°
    Evening
    Clear. H 60° L 37°
LISTEN
PAUSE
ERROR

Krmg news on demand

00:00 | 00:00

LISTEN
PAUSE
ERROR

Krmg traffic on demand

00:00 | 00:00

LISTEN
PAUSE
ERROR

Krmg weather on demand

00:00 | 00:00

Hurricanes
Securing your boat
Close

Securing your boat

Securing your boat

Securing your boat

Boat insurance: Coverages vary widely

See if your policy covers you for moving your boat out of danger when a storm is approaching.

Boats are a unique line in the insurance industry, one that is not regulated. It is insurance for watercraft, whether a powerboat, a sailboat, a yacht or some other marine vehicle.

What does boat insurance cover? Insurance needs differ depending on the type of watercraft that you own. Your policy will explain what is covered and what is excluded.

It is getting easier to find limited coverage, for example the amount of the loan the vessel secures if it is less than book value and liability coverage. By limiting coverage, insurance can be more affordable.

Check with your agent.

Most policies cover physical damage to the hull, sails, machinery, furniture, and other equipment normally used on board. Most perils are covered, including vandalism, malicious mischief, even damage from latent defects of workmanship.

Policies also cover damage to another boat or dock, and injury or death to another person as a result of your negligent operation or ownership of the boat. Most policies cover boat trailers against physical loss or damage from any external cause.

If you, your guests or family are injured while on board, the policy provides payment for incidental medical expenses.

The policy coverage provides compensation liability for injury to persons employed by you who may work on your boat, but are not crew members. To be covered, they cannot be employed by your boat yard.

Most importantly, understand what your insurance includes when you purchase it.

Make sure you have contractual liability coverage, which many marinas now require.

Boats out of water fare better in storm

Don’t ever consider staying on your boat in a storm. Make arrangements now for how you will store your boat. Here are the types of places you should try:

  • A garage or a storage building inland. Studies show boats stored ashore are more likely to survive than those in the water. Try to store boats above the anticipated storm surge level. Storing on high-rise racks is high-risk.
  • A “hurricane hole,” which is a small, protected body of water, such as one of the small coves naturally protected off the Intracoastal Waterway or St. Lucie River.
  • A well-protected marina or dock. If the marina is too close to open bodies of water or protected only by a low sea wall, it can be vulnerable to large waves and storm surge.

    Note: State law lets marinas, at the owner’s expense, remove or secure vessels left at their docks when a storm is approaching. It also helps marinas and municipalities clean up wrecked or abandoned boats.

    Finding a secure spot for boat on land

    Remove outboard engine if possible. An engine might help weigh down a lighter boat but could cause a heavier boat to damage its trailer.

    Pick a site away from trees and power lines. Do not park between buildings, where wind tunnels can develop. Remove electrical equipment and strip all loose gear.

    Use wooden blocks at the trailer’s wheels. Deflate tires. If your boat is on a trailer, lash it to the trailer and tie trailer down to something secure. Ground anchors are best.

    If you don’t have a trailer and your boat is small (does not have electrical gear and carpeting), fill it with water and tie it to the most secure thing you can find in your yard. If the boat is very small, turn it upside down and lash it to the ground or put it in the garage and leave the car outside.

    In-water boats

    If you are taking the boat out of the area, leave well before the storm. Once an evacuation is ordered, bridges may be locked down.

    Don’t anchor or tie up near a floodgate. When the gate opens to allow water out, your boat will be crushed or sunk.

    Use lines on both sides. Use double bow and stern lines. Use spring lines fore and aft. Don’t tie up too close to the sea wall. Water level could rise 10 feet to 20 feet above normal.

    If in a canal or waterway, run at least eight lines to the shore. Set them so the lines form an X. Wrap the line several times around cleats or pilings before tying off on the ground anchor. Your boat should look like a spider in a web. Use oversized lines, as large as cleats can handle, but no more than two lines per cleat to spread the tension. Anchor only to pilings and deep-rooted trees (low on tree to avoid rope slipping off if top of tree snaps.)

    Install fenders or even tires to protect boat from collisions.

    Leave just enough fuel in your boat to get it back to its normal berth after the storm.

    Set bilge pump on automatic. Leave cockpit drains open.

    Close all intake valves below the water line. Seal hatches, ports, windows, doors and vents with duct tape.

    Remove all gear affected by wind.

    Disconnect shore power to your boat.

    For a free guide to securing boats, contact the Boat Owners Association of the United States (BoatU.S.).

     

  • Read More
    VIEW COMMENTS

    There are no comments yet. Be the first to post your thoughts. or Register.

    • We have good news if you have outdoor plans for your Sunday. National Weather Service Meteorologist Robert Darby says it will be a whole lot less windy and the sun will come out to play. “It should be a fairly mild day with sunny skies,” Darby said.  “Temperatures will be near 60.” The low Sunday night will drop to around 37 degrees. Temperatures will continue to rise on Monday.  NWS reports sunny skies and a high around 64 degrees.  
    • As the House voted along party lines on Thursday to approve a sweeping package of GOP tax reforms, one peculiar part of the floor debate came when a number of Republicans – who voted for the bill – took to the floor to request changes in the their party’s plan, as some highlighted unintended consequences, while others objected to the basics of the measure. Known in parliamentary parlance as a “colloquy,” the scripted exchanges between lawmakers are often done to clarify the legislative intent of a bill, or in this case, to urge action in a specific way in House-Senate negotiations. And for some Republicans in this week’s tax reform debate, it was clear they wanted some provisions altered. Some requests were specific, like Rep. David McKinley (R-WV), who made the case for historic preservation tax credits, which were eradicated by the House GOP tax reform bill. “Without the credit, projects that transform communities in all 50 states, from West Virginia to Texas, to Wisconsin, simply will not happen,” McKinley said on the House floor, as he asked for Brady’s word that he would help reverse the decision. That didn’t happen. “I commit to working with him and continuing to work with him on this issue because I know the importance of it,” Brady responded, making sure not to guarantee anything in some of these floor exchanges. For Rep. Carlos Curbelo (R-FL), a staunch advocate of the GOP bill, he asked the Chairman of the House Ways and Means to do more in terms of tax help for the people of Puerto Rico, whose island was devastated by Hurricane Maria. “I look forward to working with you on ideas to best serve the people of this island,” said Rep. Kevin Brady (R-TX), who thanked fellow GOP lawmakers for their concerns, but made no promises. For Rep. Andy Barr (R-KY), the issue was with a new excise tax from Republicans that would be levied on the endowments of private colleges and universities. Barr said that would harm Berea College in his district, a ‘work college’ that uses its endowment money to pay the tuition of all students. It was noted in press stories back home. Barr Fights for Berea College in Tax Reform Bill – https://t.co/YoBgs5CWvp – — BereaOnline.com (@bereaonline) November 16, 2017 “I was pleased to learn that the Senate version of the bill exempts schools with fewer than 500 tuition-paying students from the excise tax,” Barr said, urging Brady to accept that position in any House-Senate negotiation. Brady said he would try. “Mr. Speaker, we will work together for a mutually accepted solution to make sure we exempt work colleges to use their endowments to provide tuition-free education,” the panel chairman responded. For Rep. Don Young (R-AK), the problem he brought to the House floor was under the heading of unintended consequences, as the GOP tax bill would subject native settlement trusts in Alaska to a higher rate of taxation. “This would make it more difficult for Alaska Native Settlement Trusts to provide long-term benefits to Alaska Natives,” Young said on the House floor, asking Brady to include provisions of a bill to remedy that and more. Unlike some of the other requests, Brady acknowledged that the GOP tax bill would “unintentionally” change the tax rate for the Alaskan settlements, agreeing to focus on this in conference as we finalize individual rate structures between the House and the Senate.” Others weren’t so lucky to get a guarantee of action, as they pressed for changes in maybe the most controversial part of the GOP plan, which limits a deduction for state and local taxes. “I am concerned about its impact on some of my constituents in Maryland who pay high state and local income taxes,” said Rep. Andy Harris (R-MD), the only Republican member of the House from that state, which would be one of the biggest losers on the SALT issue. That subject also drew two California Republicans to make the same appeal to Brady later in the debate; Rep. Mimi Walters (R-CA) and Rep. Steve Knight (R-CA) echoed the concerns of Harris – all of them got a murky assurance of help. “I am happy to commit to working with both of them to ensure we reach a positive outcome for their constituents and families as we reconcile our differences with the Senate,” Brady said, making no promises. Other Republicans brought up education, and a provision in the GOP tax reform bill that would hinder colleges and universities from providing tax free tuition waivers and reimbursements, a matter that has drawn more and more attention in recent days. Rep. Mike Turner (R-OH) – whose district includes Dayton University – and Rep. Rodney Davis (R-IL) – whose district includes the University of Illinois – both appealed to Brady to make a change. “I believe that an unintended consequence of this bill would hinder middle class Americans pursuing a higher education degree in an attempt to better their lives,” Turner said. “I am worried it is going to have an impact on the custodians and the assistants in the Registrar’s Office who are just working at these institutions to be able to send their son or daughter to college,” said Davis. There was no guarantee that the provision would be changed. “I have a keen interest in this issue,” Brady told Turner and Davis. “I will work with you toward a positive solution on tuition assistance in conference with the Senate.” Democrats noted the exchanges on both days of the House tax reform debate, arguing that it showed off the haphazard nature of how the bill was put together. “I also was intrigued by the colloquy where Members came to ask the leadership if they will work with them to take out egregious elements of this tax proposal,” said Rep. Dan Kildee (D-MI). “We get this sort of, “Yes, I will work with the gentleman,” answer,” Kildee added, raising his voice on the floor. “Why did you put it in in the first place?” Kildee yelled. “Why are you cutting historic tax credits in the first place? Why did you put it in in the first place? You just wrote the bill. You just wrote it,” he said. GOP lawmakers said this past week that anyone can find a reason to vote against a big bill like this tax reform plan – we’ll see in coming weeks whether these publicly voiced concerns become an issue for the final version of tax reform in the Congress.
    • We have updated information regarding a Tulsa homicide Friday night near East 36th Street and South 137th East Avenue. Police tell us Phazon Scott surrendered to investigators around 9:45 p.m. He will be booked into the Tulsa County Jail for first-degree murder. The unidentified 40-year-old victim was found fatally shot inside a house around 6:37 p.m. “The victim wanted to talk to the grandmother about a situation at the house involving his children,” police said.   “Scott arrived and entered the house and he and the victim had an argument. During the course of the argument Scott pulled a handgun from his waistband and shot the victim.” Scott then left the scene with the gun.  He later returned to the home and surrendered.   
    • KRMG has learned Gov. Mary Fallin vetoed 'most' of the revised budget bill passed by lawmakers this week. In a statement released by her office, Fallin says, “House Bill 1019X does not provide a long-term solution to the re-occurring budget deficits, and within three months we will come back facing an estimated $600 million shortfall.' Fallin vetoed 165 of 170 sections in the bill.  She did leave intact provisions for the Department of Mental Health, the Department of Human Services, Oklahoma Health Care Authority, the Department of Health, and the Department of Mental Health and Substance Abuse Services. Statement from the Tulsa Regional Chamber: “We at the Tulsa Regional Chamber strongly applaud Governor Fallin’s decision to veto much of the revised budget sent to her by the legislature Friday. Her courage in demanding real solutions to our budget crisis – not merely kicking the can down the road – is admirable and necessary. Oklahomans expect elected officials to be responsible stewards of public funds and navigate a sound budget for the state. We support Governor Fallin’s leadership tonight in demanding a higher standard for all Oklahomans.”
    • If you have a kite, today will be perfect to take it out to the park. National Weather Service Meteorologist Bart Haake says it's going to be windy in the Tulsa area. “It looks like we’ll see partly cloudy skies,” Haake said.  “We’ll see breezy northerly winds, probably in the 20 to 30 mile an hour range.” The sun is also expected to make an appearance.  NWS reports the high will only reach around 57 degrees.   There is a wind advisory in effect from 6 a.m. until 5 p.m.   It’s going to get chilly Saturday night.  Temperatures are expected to drop to around 35 degrees.