The more information a boat insurance company has about a damaged vessel, the better they may be able to attend to any specific claims. This means that both professionals and recreational boat owners should take it upon themselves to pay attention to the circumstances surrounding accidents and take note of when, exactly, any damage started.

A recent article from the Boat Owners Association of the United States looked at some of the common causes of sinking and advised readers how they might be avoided. Many of the suggestions simply stem from performing regular safety checks and assessments of the boat in question: this should be obvious, no matter whether the boat is using sails or an onboard motor.

When it comes to engine, the source advises particular care, to the point that boat users should check each component and replace the cooling system impeller regularly.

"For engines with raw water hoses, replace them the moment they indicate wear – such as when small cracks appear or they feel 'spongy' when squeezed," the article states."Rusty hose clamps are also a concern and should be replaced." 

Because it is summer, there is a high chance that some areas will see more boating activity. Certain areas have seasonal boating events like parades that may require the use of insurance packages for recreational vessels.

No matter the occasion, turning a sharp eye to the systems onboard any vessel can leave all parties, from the boat owners to the operators to the insurance providers to the state, satisfied and equipped with the right information. Having this information taken care of will make other procedures easier later on.

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