Boat recovery gets more complex with Sandy damagePosted on
Although boat owners are always responsible for recovering their vessels from the property of others, it gets more complicated if the vessel has inflicted damage, as many did during Hurricane Sandy.
There seems to be much confusion surrounding the topic because its not usually a problem, but BoatUS spokesman Scott Croft told The Daily Record in New Jersey that the removal of a boat is always the owners responsibility.
Eric Stenson, a spokesman for the New Jersey Manufacturers Insurance Co., which does not provide watercraft coverage, said the answer varies. If the boat is in someone elses yard and hasnt touched the house, its the sole responsibility of the boat owner.
It gets more complicated if a boat hits a home. If it is brought into a house by Sandys storm surge, its excluded from homeowners insurance policies. They must have flood coverage to receive money to help mitigate the cost.
If its brought into the home by wind, the homeowners policy does apply. Either way, he recommends contacting the boat owner, whose insurance policy could provide assistance.
Croft also said property owners should try to contact the vessels owner. Boat owners with insurance should contact their agents to figure out a removal plan to avoid inflicting damage to private property.
Property owners typically can track down the owner of a boat by finding the identification number on the hull and contacting the state Motor Vehicle Commission or by going to the Coast Guard’s website at http://cgmix.uscg.mil/PSIX/PSIXSearch.aspx.