Seasonal warranty conditions

Write the storm plan before the season writes it for you

Coastal pages cover named-storm haul-out. Michigan covers winter lay-up, shrink wrap or heated storage, and the dates a Great Lakes form often requires the boat to be ashore.

Florida

5% to 10% of Agreed Hull Value on named windstorms ($25,000–$50,000 on a $500k yacht)

50% of professional haul-out labor up to $1,000 (standard GEICO Marine benchmark) or $2,500–$5,000 on premier yacht policies

Build the storm plan

Texas

3% to 7.5% of Agreed Value for Gulf Coast vessels berthed south of I-10

50% of haul-out and blocking costs up to $1,000–$2,500 when NOAA issues a Hurricane Watch for the Texas coast

Build the storm plan

North Carolina

2% to 5% named-storm deductible for vessels berthed east of I-95

Up to $1,000–$2,000 toward professional haul-out or ICW relocation out of the NOAA watch cone

Build the storm plan

South Carolina

3% to 5% of Agreed Hull Value on named tropical systems

50% of haul-out or professional captain relocation labor up to $1,000–$2,500

Build the storm plan

Michigan

1% to 2% standard wind/hull deductible (no hurricane surcharge while on Great Lakes)

Mandatory Winter Lay-Up & Decommissioning Warranty (typically Nov 1 to Apr 15 ashore in heated or shrink-wrapped storage)

Build the lay-up plan

Cash

Price the deductible before you price the yard

Use your hull value and the percentage on the declaration page. The plan pages collect the yard and the checklist.

Named-storm deductible and haul-out

A named-storm percentage is applied to hull value. Haul-out reimbursement is a separate sub-limit. A common published benchmark is 50% of labor up to $1,000.

Hull valueNamed-storm deductible %All-other-peril deductible %Haul-out estimatePolicy haul-out capReimbursement %I already have a written haul-out or lay-up plan for this boat.

Named-storm deductible

$25,000

Ordinary deductible

$5,000

Extra dollars from the storm percentage

$20,000

Haul-out reimbursed

$1,000

Haul-out you still pay

$1,500

Deductible plus haul-out gap

$26,500

No written storm plan is marked. Many hull forms treat a missing haul-out plan as a warranty condition. Read the navigation and named-storm wording before hurricane season. The combined figure is the deductible plus the unreimbursed haul-out. It is not a claim payment.

Related guides

Storm operations

Hurricane Haul-Out Plans: What Your Insurer Requires

Insurers tie named-storm coverage to written haul-out or evacuation steps. Compare marina contract language, lead times, and out-of-pocket haul costs.

11 min read · Reviewed November 4, 2026 · FL, TX, NC, SC