Thursday, January 23, 2014

Towing a Tender from your Boat

Towing a Tender
By Randy Troutman On January 20, 2014 ·
Tenders are indispensable to boaters once they get to an anchorage or mooring. But they can also be bothersome while under way if you don’t have a davit system and you tow the tender behind your boat. Not to worry! Here are our tips for safely tying off your tender.

1. First, you need the right equipment. Make sure you have a long length of braided nylon line; this is the preferred line for towing because it has some stretch and will act as a “shock absorber” between the two vessels. It’s also very helpful if your tender has a reinforced tow eye or a bow cleat to which you can secure the line.

2. Next, take any loose articles out of your tender — oars, fishing gear, life preservers, seat cushions — and remove the outboard motor. These articles can come loose during transit and end up in the drink.

3. The most common method for towing a tender is to use a bridle. A bridle is a separate piece of nylon line that’s attached to both of the rear cleats of the towing boat. Leave enough slack so that the bridle becomes a “V” shape when the tow line is attached to its center. Make sure to attach your tow line to the bridle with a loop, or use a “D” ring, so that it can shift as the towing boat changes heading.

4. The opposite end of the line should be secured to the tow eye or bow cleat(s) of your tender. Run the line so that it comes directly off the craft’s bow. The tender should be towed a short distance from your boat. If you’re inland or entering a harbor, keep the line short so it won’t obstruct traffic. On the other hand, if you’re on open water, some extra distance is preferable as it will reduce tension on the line and splashes from choppy waters.


5. Tying buoys to the tow line will prevent it from sinking into the water and possibly fouling on your props or other debris, and will also help make it more visible to other boaters. The number of buoys needed will depend on the length of the line and size of the flotation devices, so test out your rig before you tow, tow, tow your boat.

Monday, January 13, 2014

Florida Approves Electronic ID Card for Auto Insurance

Florida is joining the ranks of 29 other states and allow drivers to show law enforcement officers their proof of automobile insurance through their cell phone and other electronic means.
In December, Gov. Rick Scott and the Florida Cabinet signed-off on an administrative rule change implementing a law enacted in 2013 that allows drivers to show their proof of insurance electronically.
Although the law went into effect in July 2013, a previous administrative rule still required drivers to carry and display a printed insurance card.
Under the new rule, drivers will be allowed to display their insurance information via their cell phone, laptop, tablet or other device.
The Florida Uniform Traffic Citation Statistics Bureau reported that in 2012 drivers were issued 326,000 tickets for driving without proof of insurance. However, more than 250,000 of those tickets were later dismissed when the driver later produced proof of coverage.
According to the Property Casualty Insurers Association of America, the 30 states that have adopted e-card laws and/or regulations are: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Missouri, North Dakota, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin and Wyoming.
From Insurance Journal

FEMA Flood Insurance Update

To much dismay Congress has yet to vote on amending the Biggert-Waters Flood Act.  Currently new home purchases in pre-firm areas are feeling the full premium affect of the act.  Premiums that used to be $1200 a year on a $250,000 home are now $3000 plus. Existing   homeowners that were getting rate relief are now seeing  25% rate increase that will continue for the next four years.   Coastal states are pushing for private flood insurance . While it sounds promising I wouldn't hold my breath.   LLoyds of London does offer a private market flood insurance policy. The rates are bit lower than the FEMA rates with comparable coverage. For more information on  a private market flood insurance policy visit our website or email us at
matt@lehnandvogt.com

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