As another hurricane season approaches, a few lessons can be learned looking back at last year’s Hurricane Matthew. Hurricane Matthew caused significant damage along the southeastern coast of the United States. Marinas were hit hard with varying degrees of damage depending on local tidal surge and exposure. Based on Marine Specialties’ observations from Hurricane Matthew marina claims, Marina Owners should take a few precautions to reduce risks during the next storm:

Pre-Hurricane Season – Marinas consistently underestimate the cost of replacement, which leaves the marinas underinsured. If a marina is a total loss and is undervalued, there will not be enough money from the insurance to replace the marina. Even if the damage to the marina only necessitates repairs, underinsured marinas will often be dealing with coinsurance penalties in proportion to the level it is uninsured. These issues can be avoided by developing an accurate replacement cost value when insurance is being renewed.
Pre-Storm Preparedness – Deferred maintenance can be a significant contributor to the severity of damages from a storm. During the off-season, Marina Owners should take time to address any areas that have been neglected (not just those things that are unsightly, but also unseen issues, such as loose or rusted structural fasteners.) Also, the weight and stress of docked vessels during a storm cannot be overstated. When feasible, vessels should vacate the marina prior to the storm. Obviously removing all vessels is not always an option. At a minimum, vessels should be moved from the most exposed portions of the marina to other more protected areas, and moored so that that bows will be facing into the prevailing wind. Correct mooring should also be checked. It is surprising how many vessel owners do not understand the proper use of lines. Marinas should develop a plan going into the storm season and ensure that vessel owners are familiar with what will happen in case of a pending storm.
Post-Storm Safety and Temporary Repairs – Immediately after the event, it is always a good idea to document the damage and information about the storm event, such as the high-water mark. The biggest post-storm danger at marinas comes from damaged electrical systems. The vessel owners are going to want power back to the docks as soon as possible. However, damaged electrical presents a shock hazard and can lead to fire. Ensure an electrician has thoroughly reviewed the electrical system before re-energizing the system. If the system cannot be safely re-energized, the Marina Owner may want to consider providing a temporary alternative, such as limited generators to ensure batteries stay topped off for bilge pump needs. Structurally damaged docks should also be addressed. First, limit entry into areas that are not structurally safe, and then undertake temporary repairs to prevent further damage to the system. Finally, effective mass communications with vessel owners via social media can reduce the need to answer repeated telephone calls that prevent Marina Owners from addressing other pressing problems.