There are few experiences more frightening than hearing a crack of thunder, looking around, and not seeing land. If you are trying to keep your yacht insurance premiums low, then you know installing a lightning protection system on your boat is one of the best preventative measures; however, having one does not mean lightning will not hit you.
Step-By-Step Lightning Storm Guide
Here is an explanation of what to do if your boat is caught in a lightning storm.
Secure the Boat
Land is safer than water during a storm, but only make a b-line for shore if you can count to 30 between seeing lightning and hearing thunder; otherwise, you won’t be able to outrun it. The best you can do is drop anchor and stow fishing poles and other tall items that are not associated with a lightning protection system.
Take Shelter
If divers are too deep to come up quickly, they should stay as far underwater as possible until the storm passes. Everyone else in the water should get back in the boat. Put on life jackets, get inside the cabin, and shut the windows. If there is no shelter, then get down as flat to the floor as possible and do not dangle arms or legs over the sides.
Avoid Metal
Although metal does not attract lightning, it is a conductor that allows electrical current to jump from object to object on its way to the water. Take off metal jewelry and stay away from the sides of the boat. Especially dangerous is touching two metal objects at once, such as the steering wheel and the railing. Wear rubber gloves and steer with one hand.
Disconnect Electronics
The National Weather Service estimates that a strike contains around 300 million volts, which is enough to destroy any electronics on board. Disconnect power to antennas and other devices and never use a VHF radio during a thunderstorm. Instead, rely on handheld radios and cell phones.
Offer First Aid
If the worst happens and lightning does strike your boat, give immediate care to anyone injured. Those struck pose no danger to you, and by giving immediate CPR you increase their likelihood of survival to 66%. Only 10% of people hit by lightning die, although the effects can range from tingling skin to lost limbs and brain injury.
Check for Damages
Once the storm has passed, inspect your boat for damage and do whatever is necessary to stay afloat and make it back to shore. If the radio is ruined, then light a flare. Even if your vessel appears unharmed, schedule a professional checkup to ensure lightning did not create small holes or subtle electrical problems. If there are damages, file a claim with your yacht insurance company as soon as possible.
About Mariners Insurance
Mariners General Insurance Group was founded in 1959 to protect boat owners and marine business clients. We are marine insurance experts and insure boats worldwide – in every ocean on the planet. Marine insurance is critical if you own a boat or nautical business. Trust the professionals with all of your Boat Insurance needs – trust Mariners Insurance. Call us at (888) 402-5018 any time you have questions or concerns about insurance for your vessel or marine business.
