Boating is an exciting and adventurous activity enjoyed by many water sports enthusiasts. But just like any other activity, it comes with certain risks that cannot be ignored. One of these risks includes unpredictable weather conditions that can result in lightning strikes. This raises the question,?
The answer is, it depends on the type of boat insurance policy you have. Most boat insurance policies do not have specific coverage for lightning strikes but there are a few exceptions. Some policies offer lightning strike coverage as part of their comprehensive coverage. It’s important to check with your insurance provider to understand what kind of coverage is included in your insurance policy.
If your boat is struck by lightning, you need to act fast to preserve your boat and any other property involved. The first step is to make sure everyone is safe and out of harm’s way. You should then check your boat for any visible signs of damage. This can include any burn marks, holes or damage to the electrical system.
If there is visible damage to your boat, you will need to file an insurance claim as soon as possible. This is where it comes in handy to have comprehensive coverage that includes lightning strikes. Your insurance provider will assess the damage and determine the amount that will be covered by your policy.
It’s important to note that if your boat was struck by lightning due to negligence or not following proper safety measures, your claim may be denied. This is why it’s important to ensure that you have taken all necessary precautions before heading out on the water.
In summary, while not all boat insurance policies cover lightning strikes, it’s a good idea to have comprehensive coverage that includes this potential risk. It’s important to carefully review your policy and understand what is covered before heading out on the water. Remember to always prioritize safety and take necessary precautions to protect yourself and your property.