on the water resource library from life on the water magazine

ResouRceLibRaRy

special thanks to BoatU.S., Scott Croft

Life Water on the

lifeonthewater.com/resources 1

http://boatus.com

Cast off with peace of mind onboard with insurance from BoatU.S. Insuring boats and only boats for over 45 years, our customized policy options and expert claims service make your time on the water the best it can be.

• Coverage for your Boat, Engine and Boating Equipment • Coverage for Fishing and Watersports Gear • On the Water Towing and Roadside Assistance • Consequential Damage Coverage, Fuel Spill Liability, Lifetime Repair Guarantee • 24/7 Claims Service from Boating Experts, Flexible Payment Plans• PLUS - Diminishing Deductibles, Safe Boater Discounts and More...

For Coverage That Truly Takes You Away

All policies subject to limits and exclusions.

For a fast, free quote, call1-800-283-2883

mention priority code 4855or visit BoatUS.com/insurance














http://boatus.com/insurance

table of contentsFiling a Float Plan Can Be a Life Saver11 Lightning Fast TipsNine Towing Tips to Save FuelOne Good SniffSafe Boating in any Season20 Must-Have Items on Your BoatLeave Alcohol on the Dock4 Questions for Your Insurance AgentInsurance Coverage - TrailersLife Jacket Loaner ProgramSpring Make-Ready ChecklistThe Naked Truth about Extended WarrantiesReport Boating AccidentsE15 Fuel Bad for BoatsFlo Rivers’ Top 10 Check 10: When Trailering Your BoatDon’t Let Fog Cloud Safe Boating PracticesKeep Our Waterways SecureDon’t Roll Your BoatWell AnchoredBeware of Flood DebrisBottom Paint

Winterize in 7 Easy StepsSecrets of Boat Shopping RevealedSo You Want to Sell Your Boat1...2...3...Find a Boat RampThe Scoop on PoopCommercial Traffic FactsIt’s a New Day Financing Your BoatYes, You Need a VHF RadioLocking ThroughReader Questions about Documentation and State RegistrationThe More You KnowTo Survey or Not to Survey?National Safe Boating Week Boat ManufacturersBoat EducationGovernment AgenciesLocksMaps, Charts & PublicationsTourismWebsites

lifeonthewater.com

Want a better life? Add water.Our mission at Life on the Water is to bring more people to the lakes, rivers and coastlines of the Deep South. If only for 15 minutes a week on the shore or floating in the current, you’ll feel better and think more clearly if you’ll add water to your life.

This library was compiled from questions we’ve been asked by readers. The answers they couldn’t find. The subjects that didn’t seem to be covered. The information was out there. It just hadn’t been collected and presented in one place.

We’re happy to do that here. Thank you for being our reader. And thank you for living life on the water.

Christy Martin


“

“

Water is the canvas on which we Southerners paint our lives.

ResouRce LibRaRyPUBLISHER | EDITOR

CHRISTy MaRTIn » [email protected]

OnLInE EDITORaDaM DeMaIORIBUS » [email protected]

CREaTIVE DIRECTORLESLIE FRanKLIn » [email protected]

GRaPHIC DESIGn » CInDy yOUnG

SaLESDEnICE KIRBy » 256-797-1900 » [email protected]

BUSInESS OPERaTIOnSMaRy CaTHERInE LEE » [email protected]

RESEaRCH & STaFF WRITER BETTy BOyD » [email protected]

DISTRIBUTIOnLife on the Water magazine now available at Barnes & noble Booksellers, Books-a-Million stores, Hastings and

other selected independent bookstores in the South. Visit lifeonthewater.com/distribution for a retailer near you. To become a distributor, call 256-882-1972 or contact Mary Catherine at [email protected].

SUBSCRIPTIOnS lifeonthewater.com » 256-882-1972 » [email protected]

lifeonthewater.comlifeonthewater.com/resources 4

lifeonthewater.com/resourcelibrary 1

In a time of smartphones and apps that attempt to take

you ‘waterskiing’, a small town on the banks of Barkley

Lake hosts a resort that’s winning accolades across the

country. Surrounded by water on three sides, Prizer

Point Resort combines the pristine landscape of Land

Between the Lakes, the nature and wildlife of the

Cumberland River’s Barkley Lake and a menu of family-

fun items to create vacation getaway memories that

last a lifetime.

“Lisa and I just had this dream of creating a place that

families could come and really have fun,” says Greg

Batts, owner of the resort since October 2000. “Our

motivation every day is when we can help adults be kid

again.”

Destination PROFILE

Cadiz, Kentucky

Prizer Point Resort



The amenities at Prizer Point lend a setting for families

that want to spend time together…or provides activities

for kids to play while the adults relax. A typical day at

Prizer Point could be gliding down the world's largest

inflatable waterslide or climbing the iceberg in the lake.

From there, you can dive into a splash play pool or jump

your heart out on the jumping pillow. As you stroll the

grounds, you may see a group volleyball game or a

family playing basketball or newfound friends having a

soccer match.

Prizer Point has the largest inflatable

waterslide in the world

When we asked Batts what he thinks is the best

attraction, he didn’t hesitate. “The value. We get family

reunions and groups of all sizes…even small business

conferences…because of our value pricing,” he explains.

Prizer Point offers tent sites to hassle-free houseboat

rental… three-bedroom condos & log cabins to tree-

house accommodations. “We offer a lot of different

At the end of the day,

take in an outdoor movie

with the family or enjoy

s'mores at your campfire

with the beverage of

choice, knowing the kids

are happily asleep in

bed.



ways to stay with us in order to meet the diversified

requests and budgets of our customers,” Batts tells us.

The resort can lodge 450 people in 53 lodging units.

Pricing ranges from $25 a night for the tent sites to

$2250 a week for houseboat rental.

Diversification is a good word to describe the

surroundings at Prizer Point. Being surrounded by water

on three sides affords a changing landscape and horizon

for vacationers to enjoy. Land Between the Lakes is a

protected wildlife refuge so you’ll see all kinds of

wildlife. Walk just bit and you’ll see a towboat glide by

making its way to the Barkley Canal and ports anywhere

in the world.

Fishing in Barkley Lake is known worldwide for bass,

crappie and catfish and is considered one of the

cleanest lakes in America. (EPA list 2013) Fishing guides



on-site can take you to the secret coves and sloughs to

catch the big one.

“Some of our guests prefer to prepare their own

meals…but those who want to dine out, we’ve got the

best restaurant anywhere!” says Batts. Enjoy breakfast,

lunch and dinner at The Pier floating restaurant literally

on the water. Choose from Boaters’ Baskets featuring

the Yacht Club Sandwich or the Big Buoy BLT, signature

fried pickle chips and the Friday, Saturday and Sunday

Fish Fry that attracts people from miles around.

Something Greg and wife Lisa are especially proud of is

their staff. “Everyone here buys in. They believe in what

they’re doing and that providing friendly service and a

clean and safe family environment will keep customers

coming back and they’ll tell other people about us,”

Greg says.



Many employees have made Prizer Point their first job

in life. Greg and Lisa feel that teaching their young

employees a good base of business values in a family-

oriented environment will give them the experience

needed to do well in life. “Our guests benefit from their

enthusiasm and the younger guests can relate to them

better. “ says Batts.

the enclosed pool at Prizer Point continues to be a popular reason

families make this their vacation destination year-round

Greg and Lisa haven’t stopped improving the resort.

Adding new slips over the last year has attracted

boaters from across the region, including transient

dockage for travelling boats. They’ve also expanded the

service department with full-time mechanics, one even

having 40 years of experience. “We noticed that more

and more of the boats are older. That requires good

maintenance and we wanted our customers to know

that we recognized that,” Batts explained.



Prizer Point Resort leads the way in the kind of resort

budget-conscious Southerners want. But reaching past

the Southeast, the nation is finding the small town of

Cadiz, Kentucky…and they’re coming back for more

every year.

See the photo gallery

lifeonthewater.com/prizerpoint.com

Greg Batts, owner – Prizer Point Resort


Christopher Columbus may have told Queen Isabella “if I’m not back in two years, send help,” but good ideas like filing a Float Plan often have more humble origins. It may have been as simple as a husband telling his wife he would be home by 5 p.m. with fish for dinner, and realizing that by 6, with no dinner provided, his wife would begin to wonder just where her great fisherman was. Whatever the case, a Float Plan form was published in the 1994 edition of the Federal Requirements and Safety Tips for Recreational Boaters and has remained an essential tool for aiding maritime Search and Rescue ever since.

A Float Plan contains critical information about you, your vessel, and your intended voyage to assist the U.S. Coast Guard or local marine law enforcement should you fail to reach, or return from, your destination as planned.

Your Float Plan is not filed with the U.S. Coast Guard. Instead, you should leave a copy with a family member, marina operator, or someone with whom you’ve established an expected time of return. Your Float Plan should include your boating location, when you plan to return, and emergency contact numbers. Additional information should include a detailed description of your vessel, number of persons and emergency equipment aboard, and any information that would help in locating and identifying your vessel.

Printable Float Plans are available online at uscgboating.org. You can fill in your vessel’s name, type, registration number, propulsion and navigation systems, safety equipment on board and other basic data, leaving only the destination and passenger information to complete before your trip. Photocopy a stack and you’ll always have one ready when you are.Filin

g a

Floa

t Pla

n C

an b

e a

Life

Sav

er

LOTW_RG_2012_5.5x8.25.indd 5 4/2/12 12:56 PM


• Don’t wait until it’s too late: Get off the water early: Getting to safe harbor is the safest bet. If you’re in a powerboat and can’t get in, you may be able to get around the storm.

• i nsiDe is best: If you can’t get off the water in time, the best place to be on a boat is inside any cabin, but avoid being near the mast or chainplates (sailboats), or large metal appliances like refrigerators.

• Keep away from metal: If there is no “down below” and you’re stuck out on deck, stay away from metal railings, wheels, the mast and mast stays (both on sailboats), or any other metal fittings.

Lightning strikes are rare, but boaters should take precautions when storms move in.

For recreational boaters in

the Deep South, summer

thunderstorms bring

danger not only with wind

and waves, but also with

lightning strikes. The South

gets more lightning per

year than any other part

of the country. BoatUS

recently took a look at

how to protect yourself

from this hazard while

boating, sailing and fishing

on the open water and

has these tips:

11 Lightning Fast Tips

LOTW_RG_2012_5.5x8.25.indd 6 4/2/12 12:56 PM


• Don’t be a lightning roD: If you’re on an open boat, stay low and in the center. Depending on the severity of your situation, it’s also a good idea to remove jewelry. The US Coast Guard reports a case a few years ago in which lightning struck a man who was standing up wearing a large medallion.

• stay out of the water: Don’t fish during a thunderstorm – or dangle toes overboard.

• Disconnect the power anD antenna leaDs to your electronics: Many strikes just damage electronics, so disconnecting them goes a long way in preventing equipment damage.

• lower antenna: Unless they serve as part of a lightning protection system, lower any antennas.

• stay silent: Don’t use the VHF unless absolutely necessary.

• lightning grounDing protection systems: Grounding systems, which provide a path for the lightning to enter and safely exit the boat, must be free of corrosion if they are going to provide any protection.

• Dissipater Dilemma: As for mast-top lightning dissipaters, there is no agreement by the experts on how well or if they work at all. Insurance claims files show that boats with “brush-like” dissipaters mounted at the top of the mast have been struck by lightning.

• if you Do get hit: 1) Check people first;

2) then check the bilge as strikes can rupture through-hull fittings and punch holes in hulls;

3) check electronics and compass;

4) check your boats bottom. You may want to consider a haul-out to check the bottom thoroughly (trailerboats can be inspected when you get back home). The challenge with lightning strikes is that they sometimes leave hard to find traces of damage that may only be seen when the boat is out of the water.

LOTW_RG_2012_5.5x8.25.indd 7 4/2/12 12:56 PM


photo: BoatUS

nine towing tipsto Save FuelWith fuel prices high, trailering a boat has become more expensive. However, BoatUS offers some easy ways to stretch that tank of gas:

1 basic maintenance: Keep your tow vehicle’s engine tuned and replace the engine air filter as needed.

2

3

46

Drive ahead: Moderate your use of the accelerator pedal by looking ahead and anticipating traffic. You will likely brake less aggressively and re-accelerate without having to be heavy on the fuel-hungry accelerator pedal. Take it easy when starting from a dead stop.

stop “cruising”: With automatic transmissions, stay off the cruise control, especially when traveling in hills or mountains. Cruise control cannot anticipate going up or down a slope, and tends to use more fuel when the transmission kicks down to a lower gear to compensate for speed loss on a hill.

tire tip: Keep tires properly inflated to the recommended PSI on both the tow vehicle and trailer. Check PSI before every trip.

5 cover up: On long trips, use a tight-fitting boat cover when towing, which helps decrease wind drag and improves fuel economy.

lighten up: Lighten the load by carrying just what you need for the day or weekend in the tow vehicle and on board your boat. Also, at about six pounds per gallon of gas, try to keep the boat’s fuel tank near empty when trailering long distances.

LOTW_RG_2012_5.5x8.25.indd 8 4/2/12 12:56 PM


7 8

9

Drain it: Never leave water in a live well or bait tank. At a little over eight pounds per gallon, carrying an extra 25 gallons of water in these built-in tanks can represent 10% of the boat’s total weight. Filled wakeboard boat ballast tanks or bags can also add significantly more weight – from several hundred to over 1,000 pounds of water. Emptying tanks also slows the spread of invasive species.

slow down: A decrease in towing speed of just five or six miles-per-hour can lead to a noticeable decrease in fuel consumption. Trailer tires have a maximum speed of 65 mph, so going over that will not only harm MPG, but could damage tires as well.

go local: Plan more trips closer to home.

LOTW_RG_2012_5.5x8.25.indd 9 4/2/12 12:56 PM


One Good “Sniff”

May Save a Life

LOTW_RG_2012_5.5x8.25.indd 10 4/2/12 12:56 PM


It is a required procedure anytime a boat is refueled to turn the engine compartment blower on before starting the engine. But if a leak has developed below, or if you don’t run the blower long enough, tragedy may strike in the form of an explosion. Add the sniff test to your refueling checklist as a final precaution against fueling disaster. Life on the Water has these six refueling safety tips:

Always remove passengers from the boat, and reboard only after refueling is complete and the engine(s) restarted.

Engine should be turned off, as should all electrical switches, including the ignition. This means turning the ignition to the “off ” position and flipping any AC and DC switches in the main distribution panel to “off.” Do not use your cell phone when refueling.

Keep all doors, ports and hatches closed, and only open them when refueling is complete.

To prevent unintentional sparking, hold hose nozzle firmly against fuel fill (and not a rod holder, water tank fill or holding tank, which happens more often than you think). Make sure you don’t overfill the tank.

After refueling, make sure the engine compartment blower runs for at least four minutes. This may delay others waiting to fill up, but it’s worth the wait.

A quick sniff test takes only a few seconds and is the most effective method for detecting fuel leaks. Always open the engine bay hatch (if your boat is equipped with one) and smell the bilge area as well as any closed compartments or interior spaces.

1

2

3

4

5

6

photo: Florence Harbor

LOTW_RG_2012_5.5x8.25.indd 11 4/2/12 12:56 PM


Meet LIFE ON THE WATER resource:

Capt. Steve Blazier

TENNESSEE RIVER SAILING CHARTERS

1. What is your background and how did you

decide to do SAILING CHARTERS…on the

Tennessee River?

The last year I was in the Navy a friend asked

me to crew his Thistle sailboat in order to race it

in Charleston, SC. When I got out and started

college in Columbia, another friend acquired a

Helms 25 and we sailed it for 3 years. After

completing my post graduate training, I bought

my first sailboat, a Gulf Coast 22, which I still

have! As the fleet grew, I’ve ended up with a

J-30 and earned my USCG Captain’s license a

few years ago. So, after sailing for 40+ years, it’s

time to share my love of sailing and pass on


experience and knowledge. I’ve lived in

Florence since 1985 and have sailed Wilson

Lake, Wheeler Lake, Pickwick Lake and the

TennTom Waterway to Mobile.

2. Describe a sailing charter.

A sailing charter can be as long as you want. The

more time we have, the further we can go.

During the summer, to avoid the heat, we go

out Saturday evenings to watch the sunset and

then sail until we’re tired! We usually end up

coming in around 10 or 11 pm.

A sailing charter is perfect for couples, small

groups…even office getaways. Conversation of

the water is just better…clearer…easier. We find

that companies love to do charters to get out of

the office and really hear what their employees

are saying.

Our customers can bring appetizers, a bottle of

wine…whatever makes for a relaxing time on

the water.


3. If you could fix one thing about our waterways,

what would it be?

I’d ask boaters to be more responsible about the

amount of trash that blows off their boats. Please,

use a trash bag and keep it tied down. Go back

and pick up whatever went overboard.

4. In one sentence, why should I book a

TENNESSEE RIVER SAILING CHARTER?

Where else can you get a ride on a sailboat built

to be raced on the open ocean? The winter can

be the best time, it’s not hot and the wind

blows a lot! The J-30 does best in wind 10-20

mph.

Steve’s wife Jan is also a USCG captain and

conducts ladies’ bass fishing courses and

boat-driving instruction specifically for

women.


5. What plans do you have for TENNESSEE RIVER

SAILING CHARTERS?

Everywhere I go, people want a houseboat to

rent or charter. Lots of those people would

never buy a boat…but they want to experience

it. We’re restoring a 43’ houseboat right now to

be ready for rental by the spring of 2015!

There’s a consortium of USCG Captain’s at Joe

Wheeler Marina…so if I can’t accommodate you

on a particular date, chances are that I can put

you in touch with someone who can. This will

really open up the possibilities of bringing more

people to the waters of North Alabama and the

Tennessee River!

Sailing charters for sunset cruises start as low as

$200 for 6 people…just $35 per person. Check

out their website:

tennesseeriversailing.com


The Nine Commandments of Safe Boating

Any season is the right season for safe boating practices. Here are six practices you should always be guilty of following, no matter what the season.1) water & alcohol don’t mix: US Coast Guard tests have shown that environmental stressors – sun, wind, wave motion, vibration and glare – can slow a boat operator’s reaction time and make them prone to more errors. This fatigue reduces an operator’s reaction time as much as drinking alcohol alone. However, when you combine the two, it can lead to boaters missing ten times as many “cues” as those who are

only exposed to the environmental stressors alone.2) night operation requires extra vigilance: Operating a boat at night, with fewer visual cues, confusing background lights ashore, and other vessels moving about can be challenging. But there’s one thing you can do which solves many of these problems; slow down. By slowing down the boat you give yourself the time and room to maneuver, make safe course changes and avoid hazards such as unlit navigation aids or shoals. Your second best nighttime “tool” at your disposal – adding an extra spotter.

photo: near Redstone Arsenalon the Tennessee River fromKathy Milligan

LOTW_RG_2012_5.5x8.25.indd 12 4/2/12 12:56 PM


3) give the boat a “checkup:” A free vessel safety check by US Coast Guard Auxiliary or US Power Squadrons is a good indicator of whether you and your boat have all of the right safety gear and are ready to handle a bad situation. To find out how you can get one near you, go to www.safetyseal.net. 4) Know what drowning looks like: Someone who is drowning lacks lung capacity to call for help. Drowning victims move their arms as though climbing a ladder, taking quick gulps of air before slipping back under. In an adult, this can last up to a minute before the victim never resurfaces – a child may only do this for 20 seconds. Sudden cooling of the skin can also cause a swimmer to “breathe in” water. Never jump overboard before knowing the depth of the water and ensuring that it’s free of underwater hazards such as rocks, shoals, stumps or other structures. Also pick swimming areas away from boating traffic and strong currents. It’s always best to anchor, shut down the motor, and deploy the boarding ladder before going in.5) tell a friend: A float plan could be as simple as letting a family member know where you are going and what time you expect to return, or a more detailed written plan for longer trips, easily left on a windshield, given to a friend, or

dropped off at the Harbormaster office. One piece of float plan etiquette: always check back “in” upon your return.6) always check the weather: “You could be well prepared; however, the one thing that’s out of your hands is the weather,” says BoatUS Foundation President Chris Edmonston. The good news is that with today’s technology, it’s easy to keep an eye on weather conditions. Countless weather delivery options exist, from VHF DSC radio to smartphone apps, so make sure you are well-equipped before you head out.7) Vhf radios aren’t just for big boats. Take a VHF radio with you on every outing, no matter what size boat you are on. These radios are the primary means of communication on the water. And cell phones don’t always work.8) Don’t stop or anchor in high traffic areas. River navigation channels are marked with red and green buoys. It’s like a highway or interstate for the water. And you would never stop in the middle of a highway for a picnic (or anything else).9) life Jackets will save your life. Never get in the water without one!

LOTW_RG_2012_5.5x8.25.indd 13 4/2/12 12:56 PM


Must-Have Items on Your Boat

1 2 3 4

5 6 7 8

9 10 11 12

13 14 15 16

17 18 19 20

Lifejackets for everyone

onboard

A throw cushion –a type IV flotation device

Fire extinguisher

Lines to secure the

boat

Visual distress signals – flares

or at least a flashlight

Horns, whistles or bells –

anything that makes noise

Copy of the Inland Navigation

Rules...Rules of the Road

Your boater registration,

insurance certificate,

boating license

First aid kit fully stocked VHF radio Working

bilge pumpRiver charts

Anchor Paddle

Garbage bags and/or sealable baggies

A serrated knife or

Swiss Army Knife

Compass Spare engine parts GPS

Emergency Position

Indicator Radio Beacon (EPIRB)

20

LOTW_RG_2012_5.5x8.25.indd 14 4/2/12 12:57 PM


photo: USCG

The Coast Guard’s annual report, Recreational Boating Statistics, shows that a boater with a blood alcohol level above the legal limit runs a significantly increased risk of being involved in a boating accident. This is why:

• Sun, wind, noise, vibration, and motion – “stressors” common to the boating environment – intensify the effects of alcohol, drugs, and some medications by causing fatigue, which in turn impairs a boater’s balance, coordination, and reaction time.

• As blood alcohol concentration goes up, the ability to process information, assess dangerous situations, and exercise sound judgment becomes increasingly difficult.

• Peripheral vision, depth perception, night vision, focus, and the ability to distinguish colors (particularly red and green) are reduced.

• Finally, alcohol reduces inhibitions and brings on a false sensation of physical warmth, which could cause a person to enter and/or remain in cold water until hypothermia sets in.

With these impairments, accidents are more likely and more deadly for both passengers and boat operators. Alcohol is a factor in nearly one in five recreational boating fatalities; U.S. Coast Guard data show that in more than half of these the victims capsized their boats or simply fell overboard.

Leave Alcohol on the Dock

LOTW_RG_2012_5.5x8.25.indd 15 4/2/12 12:57 PM


1

4 Questions for your Insurance Agent

1. Does your insurance company expect you to pay salvage costs that should be paid by them? Most people say the main reason they buy insurance is to cover the “big things.” The most common types of catastrophic insurance claims are sinkings – which can happen to anyone – or storm claims, which destroy your boat and leave it in pieces in the neighbor’s back yard.

photo: on Lake Guntersvillefrom Sandra Merlo

Got the boat ready to go into the water? Hold it, just a minute! Ask your boat’s insurance agent these four hard questions. Their answers could let you know how worthwhile, or worthless, your current policy is:

LOTW_RG_2012_5.5x8.25.indd 16 4/2/12 12:57 PM


2

3

4

In both of these cases, it is the policy’s “salvage” coverage that will pay to remove your boat from the bottom of the lake or from your neighbor’s back yard. A good policy has separate and full salvage coverage (up to your policy’s limits) for the costs to remove the boat that is not less than or limited to a percentage of the “hull” value (which is the part of the policy that reimburses you the actual the loss of the boat). A bad policy reimburses you for the loss of the boat, but could make you pay some salvage fees out of your own pocket – and isn’t that what insurance is for in the first place? 2. When you have a claim, how much help will you get? When insurance companies handle a claim, there are two schools of thought: those that are “hands-off ” and those that are “hands-on.” A hands-off insurance company believes you should do all of the work. With a big claim, that could include finding a salvor, crane company, barge and trucking service on your own, and then reimbursing you. A hands-on insurance company – usually a specialty marine insurer – has access to these unique services 24/7 and wisely negotiates pricing, hires and pays these contractors for you, and can arrange for, and even guarantee, repairs. 3. Does the policy have “consequential damage” coverage? In the world of boat insurance, catastrophic losses that include fire, explosion, sinking, demasting, collision or stranding are considered a “consequence.” For example, when your boat sinks due to a rusted, through-hull fitting breaking off, the sinking is a consequence of the broken thru-hull. Good boat insurance policies include “consequential damage” coverage for these specific catastrophes. In plain English: if consequential damage is not covered in your policy, almost every sinking or fire could be excluded as a result of “wear and tear.” 4. Do you want me out of harm’s way? A better insurance policy will offer 24/7 emergency claims response that can immediately step in with the necessary resources to prevent further damage. And if you live in a hurricane zone, it will also share the cost of a haul-out to move your boat to high ground or pay a captain to move it to a hurricane hole. If you’re not satisfied with your insurance agent’s answers to these questions, it’s time to start shopping around for a better policy.

LOTW_RG_2012_5.5x8.25.indd 17 4/2/12 12:57 PM


If a tree damages your boat and trailer, do you know which insurance policy will take care of the trailer? photo: BoatUS

Auto, Boat or Homeowners InsuranceWhere Does the Boat Trailer Fit In?

It’s clear what auto, boat or homeowners insurance policies are for. However, which insurance policy insures your boat trailer? The answer depends on how and what type of damage occurred.

“If a boat trailer is damaged in an accident on the road, it’s the separate trailer coverage provided by your boat’s insurance policy that pays for repairs or replacement,” said BoatUS Vice President of Marine Underwriting Mike Pellerin. “But if your boat trailer damages another’s property or leads to injuries when it is connected to your tow vehicle, it’s your auto insurance policy’s liability coverage that would pay for damages to other vehicles, property or any medical claims.”

LOTW_RG_2012_5.5x8.25.indd 18 4/2/12 12:57 PM


“The same goes if you accidentally back your rig into your neighbor’s stone wall,” continued Pellerin. “Your boat’s trailer repairs would be provided for by the trailer coverage in your boat’s insurance policy, while repairs to the neighbor’s wall would go under the auto policy’s liability coverage.”

What happens if a tree falls on your unloaded trailer while it is parked in your driveway? It could be the trailer coverage in your boat’s insurance policy that will compensate you, or you may also be able to make a claim on your homeowner’s policy.

If a trailer is damaged or stolen when stored at a marina or other storage location, the trailer coverage in the boat’s insurance policy will compensate you.

here are five insurance buying tips for trailer boaters:

1. Not all boat insurance policies automatically provide boat trailer coverage, and there could be geographic limits on where you may trailer the boat.

2. If you do decide to add trailer coverage to your boat’s insurance policy, ensure that your insurer knows the cost of the boat and trailer separately. If you don’t separate these two, they may have difficulty in fairly compensating you for a claim.

3. Ensure your vehicle’s insurance policy includes liability coverage for any damage to another’s property that you cause while trailering your boat.

4. Ask your homeowner’s insurance company if your trailer is covered when stored at home.

5. If you store your boat trailer at your marina or other storage facility, be sure to read the fine print in your contract as it relates to insurance. Many include language that holds these facilities “harmless.”

LOTW_RG_2012_5.5x8.25.indd 19 4/2/12 12:57 PM


Kids need the right-sized life jacket and a program from the BoatUS Foundation offers to loan them for free for an afternoon, day or weekend. photo: BoatUS

It’s a simple question boat owners often ask when heading out on the water. However, for younger guests who require the right-sized life jacket, the answer isn’t always “yes.” There may be only adult-size life jackets on board, kids may have simply outgrown their life jacket, or perhaps some younger guests joined the outing at the last minute.

To help get kids in right-sized life jackets, the BoatUS Foundation for Boating Safety’s Kid’s Life Jacket Loaner Program now offers over 530 locations across the country – marinas, boat clubs, waterfront businesses and even fire houses – where kid’s life jackets in various sizes (up to 90 pounds) can be borrowed at no cost for the afternoon, day or weekend.

“When kids wear an adult life vest, it provides a false sense of security because they can easily slip out once they hit the water,” said BoatUS Foundation Program Manager Alanna Keating. “It’s better to make a pit stop at one of our loaner locations and grab one that fits. All you have to do is sign it out and return it when you are done. It’s that simple.” To find a location near you, go to BoatUS.com/Foundation/LJLP/map.

Across the country the program on average loans out over 90,000 life jackets each year, and at least three children’s lives have been saved since it began in 1997.

Everyone got a life jacket?

LOTW_RG_2012_5.5x8.25.indd 20 4/2/12 12:57 PM


spring make-ready checklistDon’t let your excitement about launching your boat for the first time of the season distract you from the routine but necessary steps you need to take to ensure your boat is sea worthy and has all the necessary safety gear. Follow these steps to get your boating season off to a good start.

1. Check your distress signals to be sure they meet the requirements for your state and that they have not passed their expiration date.

2. Check the gauge on your fire extinguisher. Replace it if in doubt.

3. Inspect your life jackets. Replace those that have deteriorated or been outsized by your family and friends.

4. Check your batteries. Charge and/or replace as needed.

5. Test all electronics including your radio, GPS, depth finders, etc.

6. Check the through-hull fittings for cracks or deterioration. If more than 10 years old consider replacing them.

7. Check the sea-cocks (valves) attached to the through-hulls, hoses and clamps. Replace hoses that are soft, brittle or cracked. Make sure hoses are double-clamped.

8. Keep a spare impeller on board if applicable.

9. Check rudder linkages and bearings and replace as needed.

Foremostboating.com

LOTW_RG_2012_5.5x8.25.indd 21 4/2/12 12:57 PM


photo: Larry Long

The answer is that “extended warranties,” also known as service contracts, may not offer the full coverage you’re hoping for. Knowing what they will and will not cover, will give a boat buyer the chance to make an educated purchase. 1. An extended “warranty”

is not a warranty. Rather it’s an insurance policy that pays for repairs if the breakdown, failure or failed component is covered by the policy. On the other hand, a new boat warranty covers much more and generally offers more protection to the boat buyer.

The Naked TruTh abouT exTeNded WarraNTies

Do you need an extended warranty?

2. Don’t let the name fool you. Service contracts with brand names like Mercury Product Protection or Volvo Penta Extended Protection Program are usually written by independent companies, not the manufacturer.

3. Not everything is covered. A service contract covers specific items only. On the other hand, a new boat warranty is a guarantee that the manufacturer will stand behind the product. A new boat warranty

LOTW_RG_2012_5.5x8.25.indd 22 4/2/12 12:57 PM


would replace a defective part and repair any damage that was a result of the failed part. With a service contract, parts are a commonly covered repair but the residual damage is generally not.

4. The real cost of repairs could be higher. Service contracts could come with some out-of-pocket repair costs. While they may cover a certain broken engine part, the contract may not cover the costs to remove the engine to access the part. Also, service contracts generally have nominal deductibles.

5. The overlap issue. Service contracts sold by independent companies begin as soon as they receive your premium but take a back seat to the new boat warranty. This means if your service contract is for five years and the new boat warranty is for two, you actually only get three years of service contract protection. The exceptions are the extended warranties sold by Mercury and Volvo that begin after the manufacturer’s new boat warranty runs out.

6. Wait to buy. If you’re buying a new boat, don’t rush into a decision to purchase a service contract at closing. Many independent service contract

providers give up to a one-year window to purchase an extended warranty for new boats. Waiting to purchase until you’re near the end of this window extends the life of the service contract. However, this is usually not an option with a used boat purchase.

7. The check was in the mail. Twenty-five percent of all service contract complaints involve dealers “forgetting” to send the premium to the contract’s provider, which doesn’t come to light until the boater needs the coverage.

8. Approval needed: All service contracts require preauthorization before work begins. Some will require work to be done only at “approved” shops or, in the case of third-party service contracts, may require all the work to be completed by the dealer who sold you the boat.

9. Breakdown time revealed. Most defects in new boats and engines appear within the standard warranty period.

10. The durability wildcard: Knowing how “durable” your boat is can help you make a decision on purchasing a contract.

source: BoatUS

LOTW_RG_2012_5.5x8.25.indd 23 4/2/12 12:57 PM


The operator or owner of a boat involved in an accident is required to complete and submit an official accident report. The U.S. Coast Guard maintains statistics based on accident reports that help identify boat defects and boater behaviors that cause injuries and take lives. The more accurate and complete the accident report, the better job federal, state and territorial agencies can do to make boating a safe recreational activity. No penalties or citations can be imposed solely on the basis of an accident report.

The U.S. Coast Guard has the following basic guidelines for when to file depending on the severity of the accident and the jurisdiction in which the accident occurs.

These situations require reporting:• person dies within 24 hours of an

accident – report must be filed within 48 hours

• person is injured and requires medical treatment beyond first aid

• person disappears from the vessel under circumstances that indicate death or injury

• damage to vessels and other property totals $2,000 or more (less in some states and territories) – report must be filed within 10 days

• complete loss of any vessel• person dies more than 24 hours

after the occurrence

Boat accident report forms can be obtained from the state boating authority, typically the Department of Natural Resources; Department of Fish, Game, and Wildlife; State Police or similar agency. If you are unsure, you can find out by visiting nasbla.org. Click on “People,” then click on “State Boating Contacts.”

A federal form, accepted by many states, can be downloaded at uscgboating.org. The form should be sent to the state boating authority, either in the state where the accident occurred, the state in which the vessel is numbered or, if the vessel does not have a number, the state where the vessel is principally used. The authority will review the report, determine a cause and forward the information to the Coast Guard.

Filing an insurance claim is no substitute for filing an accident report, nor does filing a report substitute for filing an insurance claim. Contact your boat insurance agency for instructions related to insurance claims.

Source: U.S. Coast Guard

Report Boating AccidentsIt’S the LAw

LOTW_RG_2012_5.5x8.25.indd 24 4/2/12 12:57 PM


*U.S. Coast Guard Recreational Boating Statictics 2009

Operator inexperience and lack of instruction are major factors in boat accidents, especially those resulting in fatalities.*

Top 10 Contributing factors in boating accidents and fatalities

factors accidents fatalities Injuries

Operator Inattention 749 43 521

Operator Inexperience 439 43 312

Excessive Speed 427 32 441

Improper Lookout 335 14 277

Alcohol Use 308 120 330

Machinery Failure 282 9 111

Weather 260 74 119

Hazardous Waters 242 91 118

Force of Wave/Wake 229 13 207

Navigation Rules Infraction 110 6 85

(Most recent available statistics)

LOTW_RG_2012_5.5x8.25.indd 25 4/2/12 12:57 PM


Which one can you use in the car and which one can you use on the boat? Confusing and inadequate gas pump signage illustrates the challenge boaters face when selecting the right gas for their boat. photo: BoatUS

Most recreational boats in the US are “trailer” boats. Stored in the backyard or driveway, they are trailered to the water and enjoyed for the day. They are also refueled at your local gas station or minimart which may offer E15 fuel (15% ethanol) that is prohibited by the federal government for use in boat motors and violates engine manufacturer warranties. According to BoatUS, the EPA’s debut of its proposed solution, a small, orange label affixed to the gas pump titled “Attention,” has only heightened the need for boaters to be vigilant.

“As this new fuel starts appearing at the local fuel pump, we see the real likelihood of putting the wrong fuel in your boat,” said BoatUS Vice President Margaret Podlich. “It could lead to costly

engine or fuel system damage, and potentially leave you stranded out on the water with a disabled vessel, compromising your family’s safety. When a boat’s engine stops running, you can’t pull over to the side of the road.”

Earlier this year, the EPA authorized the use of E15 in 2001 model year and newer motor vehicles. However, the agency did not authorize its use in marine engines or a range of off-road vehicles, tools and equipment. Currently, most boaters in the US have transitioned to E10 (10% ethanol), the maximum percentage of ethanol permitted in gasoline before most engine manufacturer warranties are voided. However, many boaters still go out of their way to find ethanol-free fuel.

E15 Fuel Bad for BoatsAvoid Costly Mistakes at the Gas Pump

LOTW_RG_2012_5.5x8.25.indd 26 4/2/12 12:57 PM


BoatUS believes it will be hard for consumers to recognize when or where E15 is being rolled out to their local gas stations or fuel sellers. “Most likely consumers will encounter E15 for the first time to their local gas station with little or no fanfare, and may be attracted to its price. This means we have to be alert now – it’s really a situation of buyer beware,” said Podlich.

The boater’s group also said the issue goes far beyond gas-powered boat engines. “I encourage anyone

fueling – whether it’s for your boat, car, motorcycle, generator or six-gallon portable tank for your lawnmower or leaf-blower, to absolutely know what type of gas is going into that tank,” said Podlich. “Unless you have a 2001 or newer motor vehicle, the gasoline-powered engines you own were not built for E15. Now is the time to start knowing which gas stations offer you safe fuel.”

LOTW_RG_2012_5.5x8.25.indd 27 4/2/12 12:57 PM


$20 bill First thing, walk down the dock and throw it in the river. You know you are going to drop something valuable in anyway, so you may as well get it over with.

Drink hugger But don’t take one of those tacky, decorated, oversized jobs. They don’t fit in the cup holder.

Your Dog He likes to get away too.

A so-so book That way if your fellow boaters are boring, you have something to do. But if they are fun, you aren’t too tempted to ignore them and finish your novel.

Fishing pole And don’t worry about the worm dirt under your fingernails….until it’s time to eat anyway.

Camera You never know when the guy on the boat next door is going to trip over his untidy lines and fall in the drink. And if that doesn’t happen you can always snap shots of chil-dren, turtles and the sunset.

Vienna Sausages No trip to the river is complete without a few cans. Sardines can be substituted if you prefer.

Fun noodle Small, versatile, easy to store…they are the perfect float.

Baggies The plastic kind, not your swim trunks. Guests get upset when their cell phones get wet.

Good attitude It’s hard to be cranky on the water, but some people succeed. Don’t be one!

LOTW_RG_2012_5.5x8.25.indd 29 4/2/12 12:57 PM


Before you hook up your trailer and head toward your favorite launch site be sure:

1. coupler, hitch and ball are the same size

2. coupler and safety chains are secured to hitch of vehicle

3. all fasteners are properly tightened4. boat is securely tied down to trailer,

not just with the winch line5. wheel lug nuts are tight6. wheel bearings have been maintained

and are in good shape7. load is not over weight for trailer or

tow vehicle8. tires are properly inflated and do not

have dry rot9. trailer lights are all working

10. trailer brakes are working properly

Discoverboating.com

LOTW_RG_2012_5.5x8.25.indd 30 4/2/12 12:57 PM


photo: on Watts Bar Lake-Tennessee River from Cole Martin

Fog can develop very quickly, reducing visibility on the water to just a few yards and leaving boaters confused as to their position and what obstructions may be around them. Limited visibility raises the risk of hitting fixed objects and colliding with other boats, which is why it’s important to take preventive action that includes slowing to a safe speed, energizing your navigation lights, and sounding the appropriate sound signals for your vessel type as required by the U.S. Coast Guard Navigation Rules.

In fog, if other boats can’t see you they need to hear you. If you see fog moving in, do the following before your visibility becomes seriously reduced: • Fix your position on a chart or

mark it on an electronic plotter.• Reduce your speed to the point

where you can stop your vessel in half the distance you can actually see.

• Turn on your navigation lights.

• Instruct any passengers to help you keep watch – by sight, sound, and smell – preferably in the bow.

• Begin sounding one prolonged blast on your horn (4–6 seconds) every two minutes while underway and making way and two prolonged blasts every two minutes when underway and stopped. Continue until the fog lifts and visibility significantly improves.

• If you decide to anchor your vessel and shut off the engine, the sound signals change. While you are at anchor you must rapidly ring your bell for 5 seconds at intervals of not more than 1 minute. This lets other vessels know where you are and what your status is.It is very easy to get lost or

disoriented in fog. Your seamanship skills and good conduct on the water will help alleviate the stress and help ensure that you, your passengers and your vessel return safely to your mooring.

source: U.S. Coast Guard

LOTW_RG_2012_5.5x8.25.indd 31 4/2/12 12:57 PM


Average citizens can and do play an important role in national security. If you are one of America’s approximately 82 million recreational boaters, or if you live, work, or engage in recreational activities on or near the nation’s waterways, you can help keep these areas safe by participating in America’s Waterway Watch and reporting suspicious activities to local law enforcement agencies.

The U.S. Coast Guard’s AWW program is based on the same principles as Neighborhood Watch and enlists the efforts of the Coast

Guard, its Reserve and Auxiliary components, the United States Power Squadrons®, and local residents, boaters and businesses, to augment security.

Always remember that people are not suspicious, behavior is. Call 877-24WATCH (877-249-2824) if you notice any of the following: • Someone taking pictures, video or

making sketches of facilities, such as bridges, tunnels, ferry transport systems, fuel docks or power plants.

• Someone asking questions about access to one of these facilities.

Keep Our Waterways SecureCoast Guard response boats enforce security zones around naval vessels and critical infrastructure facilities near the water. photo: U.S. Coast Guard

LOTW_RG_2012_5.5x8.25.indd 32 4/2/12 12:57 PM


Keep Our Waterways Secure

• Someone anchoring, fishing or diving in an area not typically used for that activity.

• Unusual night operations, including lights flashing between boats.

• Any boater who misuses their vessel or seems strangely unfamiliar with its operation.

• Unattended vessels near bridges or in unusual locations.

• Unusual transfer of personnel or cargo while underway, anyone tossing items into waterways or onto shorelines, or anyone recovering such items.

• Anyone trying to access a boat by force.

• Seeing a hole in a security fence around an industrial facility.Do not take matters into your

own hands. Call 877-24WATCH (877-249-2824). If you believe there is immediate danger to life or property, call the Coast Guard on Channel 16 VHF-FM, or dial 911. As the Department of Homeland Security puts it: If you see something, say something.

To learn more, visit the America’s Waterway Watch website at americaswaterwaywatch.org. The U.S. Coast Guard reminds all boaters to “Boat Responsibly!” For more information and tips on boating safety, visit uscgboating.org.

LOTW_RG_2012_5.5x8.25.indd 33 4/2/12 12:57 PM


photo: U.S. Coast Guard

Capsizing is a leading cause of recreational boating deaths and injuries, and weather is often a contributing factor. But overloading and inexperience at the helm can also put a vessel in danger of overturning, especially in smaller craft that can be adversely affected by load, wind and water conditions.

To avoid capsizing your vessel, follow these U.S. Coast Guard tips:

• Don’t overload. Check your vessel’s capacity plate, or calculate the maximum number of passengers by multiplying the length times the width of the boat and dividing by 15.

• Keep gear and passengers evenly distributed, and secure gear so that it doesn’t shift.

• Turn at a safe speed and angle.• Watch for waves and wakes from other boats. Reduce speed and take them

head-on or at a slight angle off the bow.• Avoid boating in bad weather. If caught in a storm, reduce your speed and

head for the nearest shore. Keep passengers at midpoint and low in the boat, especially in high winds and rough seas.

• Never anchor from the stern of the boat. The pull of the anchor combined with less freeboard on the stern increases the risk of swamping.

Don’t Roll Your Boat

LOTW_RG_2012_5.5x8.25.indd 34 4/2/12 12:57 PM


well anchoreDThe most important factor in successful anchoring is having the right equipment. Choose your anchor for the bottom, not the boat. Then make sure you have enough line, known as rode when referring to the anchor, for the length of your boat. You will need approximately five times the length of your boat for day anchoring and eight times the length for night anchoring. Attach a length of chain to the anchor and the rode to the chain.

Pivoting Fluke Anchoruse in sand or mud

Plough or Claw Anchoruse in weeds or sand

Grappling Anchoruse with a rocky bottom

Mushroom Anchorfor small boats like a canoe or john boat

LOTW_RG_2012_5.5x8.25.indd 35 4/2/12 12:57 PM


Recent storms and floods on waters in the Deep South have increased the number of submerged objects lurking on or just below the surface of rain swollen rivers, lakes and bays. Bob Adriance of the BoatUS Damage Avoidance Program says, “Small boats moving at high speeds can be sunk easily by striking a submerged object, whether it’s a tree, parts of buildings, fences, landscape timbers or other debris washed down in recent storms.”

What’s the best precaution? Slow down after significant rain events and post extra lookouts – the more eyes the better. “It’s really a problem for any boat as running gear and outdrives can be damaged and lead

to water coming in,” says Adriance. BoatUS has these four tips:• Before you go: Have all of the

safety and communications gear aboard and ensure the bilge pumps are working and there is no debris in the bilge. It’s always a good idea to have an extra bailer or two aboard, such as a bucket, emergency hand pump or even a cut-off detergent bottle. Also understand that navigational aids may have shifted.

• Stop for any “thud”: If you hear a thud, always stop the boat immediately and inspect the bilge or storage compartments for damage. Check again a short while later as a crack can open up after a boat has bounced around a

photo: BoatUS

LOTW_RG_2012_5.5x8.25.indd 36 4/2/12 12:57 PM


Join the Club on the Water for just $2995

and get EXCLUSIVE membership benefitsDiscounts from marinas, boat dealers, restaurants, vacation properties, marine repair

facilities and other waterway businesses in the South

Life on the Water magazine 5 times a year » Access to the DIGITAL magazine online

Life on the Water freebies just for you » Invitations to EXCLUSIVE events

Feeling social? Find us on these networks » Search “Life on the Water”

lifeonthewater.com

while. Another sign of damage is the boat may feel “funny” or less responsive; a sign that water is coming aboard.

• Put on life jackets: If you find water coming aboard — even if it’s just a trickle — immediately put on your life jacket and notify the Coast Guard as you could lose the power and the ability to send a distress call on your VHF. It takes only seconds for a trickle to get worse.

• Be prepared to improvise: If you do find a hole in the hull, bilge pumps alone may not stem the tide. Use anything you may have aboard such as towels, wooden bungs (keep them handy for plugging round holes such as prop shaft logs), or other gear to wedge into holes or cracks.

TIPThe perfect number on a boat is three. If something happens to one of the passengers, there are two left…one to drive and one to assist the victim.


If your boat stays in the water for even part of the year, you will need to have the bottom inspected and painted periodically. A bottom that is rough from wear and tear, or because of a carpet of marine life, will decrease the fuel efficiency and ease of handling of your boat. Left too long and you can have a real problem.

There are two types of paint that should go on your boat’s bottom. The outer layer keeps your bottom slick and inhibits the growth of algae and other marine life that can build up over time. The under coat, or barrier coat, serves as a waterproof layer to protect your hull. A good barrier coat is the single most important factor in protecting your hull and in prolonging the life of your bottom paint. The barrier coat will begin to show through as the bottom paint wears off. The color acts as a visual indication it’s time to re-paint.

Some bottom paint, known as hard paint, builds up with each layer. After a number of coats the build-up becomes thick enough that pits and rough spots can appear on your bottom when the paint begins to release. When this happens, all the old layers will need to be sanded off and a new coat applied.

Bottom Paint–Not Just for Looks

Blisters on the hull need to be sanded down before new bottom paint can be applied. photo: Larry Long

LOTW_RG_2012_5.5x8.25.indd 38 4/2/12 12:57 PM


Check out the video Bottom

Paint Mysteries Revealed at

lifeonthewater.com for more

information from angler

Marine and Greg Rash with

Portable Boat Repair. Click on

the Youtube button for this

and other informative videos.

Soft, or ablative, paint for your bottom is designed to come off slowly. As gunk attaches to the bottom, the paint sloughs off and the gunk goes with it. This keeps your bottom clean.

Anti-fouling paint contains copper and releases toxic biocides at a controlled rate that prevent marine growth from taking hold. Some paints also contain slimicides that function as a sort of sunscreen for your bottom by filtering out UV rays at the surface and preventing photosynthesis necessary for plant growth.

With any bottom paint, be sure the paint line is about three inches above the water line. As boats get older they tend to sit lower in the water, so you may have to adjust your paint line up over time.

In warmer climates, where boats tend to sit in water year round, you can expect to have the bottom repainted more often. A good rule of thumb – expect to have your bottom inspected and painted every three to five years. Expect the process to take up to a month and cost several thousand dollars….more if your bottom is blistered.

Blistering occurs when water gets through the barrier coat and to the fiberglass. It mixes with the resin in the fiberglass creating a gas that expands and pushes the fiberglass open. The water-filled blister will penetrate into your hull, and your hull will become saturated.

Blisters need to be repaired as soon as possible. They will get worse and more expensive to repair as time goes by. Blisters must be sanded away to the hull. Once exposed the hull will need time to completely dry out. Only then can the fiberglass, barrier coat and bottom paint be reapplied.

There are several different types of bottom paint and not all types are compatible with the existing paint. Also, different hull materials require different paint types. If this is a job you plan to do yourself, your first step must be education. Unless you have the time, tools and education to do the job right you might be better off leaving this one to the professionals.

LOTW_RG_2012_5.5x8.25.indd 39 4/2/12 12:57 PM


During a freeze, water that has not been flushed out of a boat can cause major damage. Even more, if you didn’t take the time to winterize your boat those damages may not be covered under your boat insurance policy. That’s why it’s so important to take some time to winterize your boat. An hour of prevention could save you thousands of dollars and one big headache.

“Winterization doesn’t take too long for most boats and is just a matter of when and where,” says Foremost Insurance Group’s Senior Marine Product Manager Brad Seeley. “If you are unfamiliar with the process, any marine facility or dealer should be able to help you, but following the right steps makes it an easy do-it-yourself job.”

Summer Fun Starts with Winterizing

LOTW_RG_2012_5.5x8.25.indd 40 4/2/12 12:57 PM


how to winterize your boat1. The biggest step in boat winterization is to make sure ALL water is

drained from the vessel. Damage due to a freeze generally is not covered by your insurance policy, so if you don’t know how to extract all the water properly get help from a professional to winterize your vessel.

2. Drain all the fuel from within the engine. Run the engine to get it out of the system making sure that cooling water is circulating through the en-gine. Once it’s out of the system, fill up the fuel tank so it doesn’t develop condensation. Add a fuel preservative to the tank to keep the fuel from vaporizing and protect it from being exposed to the air.

3. To minimize the effects of rust and corrosion, spray a petroleum-based or wax-based spray into the engine. Spray the cylinders and any of the met-als that need to be protected.

4. Remove the drain plug if the vessel is being stored ashore. Water sitting in the boat not only has the potential to freeze and cause damage, but the weight of the water could be enough to pop the tires on a trailer or dam-age the axel. Just remember to plug it back in before you launch your boat in the spring. It’s also a good idea to regularly check the drain during the storage period to ensure it’s not obstructed.

5. Take down any sunshades, canvases or appendages that could be caught by the wind.

6. Use a good tarp that’s waterproof, covers the entire open area of the boat and can hold the weight of snow build-up.

7. If you are storing your boat on a trailer, remove the wheels and block the hubs so they sit off the ground. Cover the hubs with plastic so moisture is kept out. Park your trailer on level ground and out from under trees or limbs. Store the vessel at a slight angle, with the bow of your boat raised slightly. This will allow for proper drainage. While it’s stored be sure to check it from time to time to make sure it hasn’t tilted or shifted.

source: Foremost Insurance Group

LOTW_RG_2012_5.5x8.25.indd 41 4/2/12 12:57 PM


Secrets of Boat Shopping Revealed

Since the beginning of time, we’ve taken to the water. Noah built an ark. Columbus crossed an ocean to get to the other side. Lewis and Clark were the original Great Loopers. You may be shopping for a boat right now if you’re browsing this Resource Guide...

So what are the questions you really need to ask yourself as well as the dealer, broker or seller you’re buying from? Before you even start ‘googling’, what tips would lead you in a good direction?

LOTW_RG_2012_5.5x8.25.indd 42 4/2/12 12:57 PM

photo: at the Nashville Boat & Sport Show January 2012 from Jake Martin


1. Plan ahead. Allow enough time to explore the many types and brands of boats. Think about when you want to begin boating and plan accordingly.

2. seT a goal To fInd The rIghT boaT for you and your famIly. Begin by narrowing down your choices. Ask yourself the following questions: What do I want to do with the boat? Where do I want to go boating? Who is going with me, and how many people should the boat carry? Will we be cruising to get away? Fishing? Trailering? Overnighting? Entertaining? Waterskiing? Will we go to salt water? How much am I willing to spend on boating…not just buying a boat but also the service and maintenance? The answers to these questions will help you narrow down your choices.

3. Choose The rIghT boaT. Do I want to only consider new or is pre-owned a better option for me? Narrow your choices to a short list of the type of boat that best suits your needs. Make short lists of features that you want, features you’d like, and features you want to avoid. Much like cars or homes, some people prefer buying a boat that no one else has owned. Others feel they can forego the depreciation hit if they look at a pre-owned boat.

4. sTarT shoPPIng. Once you have narrowed your category choices down, then the real fun begins. It’s time to go shopping. You want to find the right boat and the right representative. Ask similar questions to each person to compare apples to apples. You may not know the exact boat that you want yet, but you know what kind of experience and service that you want to have, so don’t be afraid to ask the hard questions.

5. Take noTes. As you look at boats, document everything: Take pictures of the dashboard, the galley, the head. Take notes to remind you later of your likes and dislikes. Involve your family with the decision and listen to their likes and dislikes about each boat. No two boats are exactly the same - but the perfect boat exists for you.

6. When are you ready? There is no correct amount of time that it should take to shop for a boat. For some, one afternoon is all that they need. It takes others several years. The right time for you to buy a boat is when you are ready. Boat shows are an excellent time to get great deals on boats. But do your homework before you go. Visit the broker or dealer. Look at their boats in November and December. And always know, new and used boats come on the market every week. No need to make an impulse buy.

LOTW_RG_2012_5.5x8.25.indd 43 4/2/12 12:57 PM


7. Take a sea TrIal. The way a boat handles, and the way it feels on the water is a very important consideration. Try to test the boat in the types of conditions where you will be using it. For example…if you plan to make the ‘Great Loop’ compared to just cruising your immediate boating area, your needs are very different in a boat.

8. a survey. Much like an appraisal for a home, having a boat surveyed by a professional can help you know the true value of the boat you’re considering. Sometimes, a new boat hasn’t been operated or moved for some time. A survey on a new or pre-owned boat is like a small insurance policy that you’re buying a sound vessel. Many insurance companies and financial institutions require a survey for valuation purposes. As part of the survey, the surveyor will evaluate the bottom of the boat via haul out…a good way to assess bottom paint or structure under the water. Even having a mechanical survey can be a good idea if a full survey is not something you want to do. The SAMS (Society of Accredited Marine Surveyors) website lists surveyors in your area who can give you estimates on pricing for this service…or ask your dealer or broker.

Cost of a survey in the Deep South varies but a good estimate is around $15 to $20 per foot of the boat…with an $8 to $16 charge per foot for the haul out to inspect the bottom. So…a 27 ft. boat would cost around $783.00 total.

9. The CosT of oWnershIP. For most, the cost of owning a boat is nothing compared to the benefits derived from owning and using your own boat. Nonetheless, be sure you understand that the cost of owning a boat includes more than just the fiberglass. Things like… • Taxes. Contact the county in

which you plan to register the boat for the applicable sales tax rate. For example, In Alabama, boats are taxed like automobiles…not at the retail sales tax rate. But in Tennessee, boats are taxed at the retail sales tax rate.

• Storage. On land? Dry storage? In-water slip? Behind your home on in your driveway? Some communities do not allow boats or RV’s in the driveway.

• Fuel. Prices on the water are usually higher than on the road. But using marine grade fuel is always better for the life and operation of your boat.

• Insurance. Usually $10-$15

LOTW_RG_2012_5.5x8.25.indd 44 4/2/12 12:57 PM


per ‘000 paid for a boat…but contact the companies for quotes. Starting with your current home or auto company is a good place to start, but marine insurers can often quote better rates on larger boats because they are more familiar with the systems. Ask your dealer or broker for names of marine insurers.

• Winterization. If temperatures in your area go below freezing for 3 or more days in a row often, you may want to winterize. Make some calls to area mechanics for current rates. For larger boats, other options include marine bilge heaters that can cost $400 to $700 depending on the size.

• Annual repairs and maintenance. A broad rule of thumb is $50-$150/foot annually, depending on how handy you are, how often you use your boat and where you live. Getting a list of the vendors that you would call on for these services can be important to your boat budget.

10. geT eduCaTed. Every boater had to learn at some point. Boating is not difficult, but it does require skill, patience and obtaining your own comfort level. If you haven’t already, sign up for a virtually free boaters education course from the US Coast Guard Auxiliary or U.S. Power Squadron, where you can learn the rules of the road. (Visit lifeonthewater.com for a class near you.) For on-the-water training, most dealers and brokers offer training on how to operate your boat. Most likely the docking, launching and retrieving your boat just requires practice. The best tip is to take it slow and practice during the week and during the fall/winter months when boat traffic is light.

bonus TIPVisualize yourself on the boat you’re considering. That exercise will tell you all you need to know about whether the boat is right for you.

LOTW_RG_2012_5.5x8.25.indd 45 4/2/12 12:57 PM


Two-footitis: a condition experienced by boaters that seem to need more space on the water. Sufferers of two-footitis come to boat shows to find a cure. Do you trade-in your current vessel? Or try to sell first and then buy your next boat? Or maybe your life has changed and the boat just doesn’t fit anymore. Consider these tips before you sell your boat…

– Be aware of current market conditions for your specific boat. The internet has changed how people look for boats. They know pricing and availability before they ever make the phone call. If your boat isn’t priced and presented accordingly, you may be wasting your time trying to sell it.

– Be prepared to act quickly. If you choose to sell the boat yourself, willingness to show your boat and work with a potential customer quickly can mean a sale…or not. Consider listing with a dealer or broker if time will not allow you to show your boat at the buyers’ convenience. It will be well worth the partnership.

– Promoting your boat. Think about how you found your boat in the first place. Talk to others who have purchased boats. Online searches, print ads, flyers at marinas…all can be good ways to sell boats. But be aware of scam artists and ‘hull-thumpers’. Never send money to anyone expressing an interest

So You Want to Sell Your Boat…

LOTW_RG_2012_5.5x8.25.indd 46 4/2/12 12:57 PM


lIfe on The WaTer readers respond.

Why do you boat?

• ‘My family had a boat when I was growing up…’

• It’s affordable

• Lakes and rivers everywhere

• To make memories

• Reduces stress & provides an escape

• It’s a mini-vacation

• Promotes teamwork

• It’s good exercise

• Gives a great feeling of accomplishment

• It’s FUN

in purchasing your boat online. Always have someone with you if you are meeting a potential buyer. Require a deposit before you give boat rides.

– Remove all personal items or anything that would not be included in the sale or trade of the boat. The potential customer needs to imagine THEIR things on the boat. Whatever they SEE on the boat, they perceive as being SOLD with the boat.

– Keep your boat clean and presentable. Like a home, a clean one sells faster. Remember when you bought the boat? Appearance is everything in terms of getting the most money for your boat. Consider a professional detailing service to make your boat stand out from the rest.

– If you dock your boat at a marina, keep the area around your slip clean and presentable. When your area is clean, potential customers know you are someone who cares about your boat.

– If your boat has a refrigerator and freezer, remove all food items.

– Be ‘weather aware’ to make sure your boat is in top condition for sale. Winterizing your boat is the

best way to insure protection from freezing temperatures. If you do not winterize, install bilge heaters. With a cold snap comes cabin fever. As soon as temperatures go up even slightly, it creates more potential buyers. In the spring or summer, make sure all maintenance has been performed and the boat will pass inspection. If you get to the point of sea trial, consider weather and water conditions. Every minute counts in today’s current sales climate.

LOTW_RG_2012_5.5x8.25.indd 47 4/2/12 12:57 PM


– Repair anything on the boat not working. If this isn’t possible, disclose it upfront. This is far better than the buyer finding it out unexpectedly. Consider having a survey performed by a professional marine surveyor. This may help sell your boat more quickly.

– Keeping your boat maintained, running properly and clean will mean a sale...or not. RUN YOUR BOAT on a regular basis to avoid old fuel, rotting hoses or impellers and a dirty bottom. A boat is meant to be run in the water, not just sitting in the water. Use a stabilizer in your fuel in winter if you’re not going to be running the boat. Check with your mechanic to know the best procedures to follow to keep your boat in top condition in order to sell it.

– Don’t be offended at lowball offers. Think of it as a starting point. Keep your bottom dollar figure in mind. Consider boating accessory items that could be added to the deal. A dock box, a dinghy, a full tank of gas, a transportation allowance…these could be items that help sell your boat.

– When you sell your boat, know the correct paperwork according to your state and the buyers’ state. Surprises months after the sale of a boat are not pleasant. Generally, a notarized bill of sale, the current boat registration and a letter stating any liens have been satisfied will suffice. Check with your state’s Department of Motor Vehicles for the best list. Or hire a broker or dealer to handle the transaction. Cancel your insurance only after the transaction is complete and each party has proper documents.

LOTW_RG_2012_5.5x8.25.indd 48 4/2/12 12:57 PM


1. 2. 3. Find a Boat Ramp

Check out the BOAT RAMPS app from TakeMeFishing.org, available on iTunes and Android Market or see takemefishing.org/boatramps.

Boat launch ramps were busy for the Guinness World Record Raft-Up on Lake Cumberland, Kentucky Photo by Sara Wilcox

LOTW_RG_2012_5.5x8.25.indd 49 4/2/12 12:57 PM


It’s an ugly subject. But someone has to talk about it. Marine sanitation devices (MSD) are required by the USCG and EPA on all vessels having an installed toilet. MSD regulations do not apply to vessels with porta-potties. The EPA sets the rules and the USCG enforces them.

The official potty designation(s) are as follows:type i is a flow through discharge device that uses a maceration system with disinfection by chemical treatment on vessels of 65 feet or less. An example of a Type I system is a Purasan that uses a canister of chemical or a Lectrasan that uses saltwater or salt tablets. type ii is a flow through discharge device that’s typically a biological or aerobic digestion system. Examples of this system include The MSD and the Ahead Sanitation Systems. These systems reduce waste to even lower amounts of bacteria and are approved for any size vessel. type iii is the holding tank with pump-out option. This is the standard scenario for most vessels on inland waterways. Equipped with a ‘Y’ valve, these systems usually have the option of discharging overboard or using the pump-out system. Other types of Type III technology include incineration, recirculation and composting.no Discharge zones

Visit epa.gov then search “No discharge zones” for locations. These are lakes and rivers in the U.S. that do not allow any discharge overboard whatsoever. For example, Dale Hollow Lake in Kentucky and Tennessee is a no-discharge lake. A good rule-of-thumb – If you boat on a body of water that is not used for interstate travel and is not navigable to other bodies of water, pump out.best resource: Your local marina. Plus, they have the certified personnel to provide your MSD sticker (required by most states).

The Scoop

on Poop

LOTW_RG_2012_5.5x8.25.indd 50 4/2/12 12:57 PM


True or False? The locks and dams were established on inland waterways to promote tourism.

That would be very false. The locks and dams were critical to economic recovery, harnessing the lakes’ and rivers’ power as well as transportation capabilities. Boaters just get to come along for the ride.

Commercial traffic on our waterways is good and recreational boaters need to be responsible where safety is concerned.

Did you know…– it can take a commercial tow up two miles to stop– a tow can travel one mile in seven minutes– commercial vessels must stay in the navigation channel because of

depth. The channel is marked by red buoys and green cans. If you see no channel, commercial traffic can be bank to bank. Do not anchor or float in the channel.

– the pilot’s “blind spot” can be hundreds of feet in front of the tow– the “wheel wash” is a commercial tow’s underwater current. With a

force of 3500 horsepower pushing barges, a PWC could be mired on the bottom of the river in seconds.

– commercial towboats monitor VHF channels 13 and 16. Contacting them to make them aware of your intentions is great, but remember, they’re working. No time for chit-chat.

– don’t boat in commercial work areas.– Ever hear the towboats blow their whistles? That means something. A

series of short whistles, say five or more, means danger. Stay out of the way.

– Logical rule #17: If it’s bigger than you, it has the right of way. Steer clear.

source: americanwaterways.com

Commercial Traffic Factsphoto: on the Ohio River aboard M/V Andi Boyd by Billy Martin

LOTW_RG_2012_5.5x8.25.indd 51 4/2/12 12:57 PM


1 2

3

According to the Internal Revenue Code (IRC) section 163(h)(4), a boat will be considered a qualified residence if it is one of the two residences chosen by the taxpayer for purposes of deductibility in the tax year. A boat qualifies as a second home IF a. It has living accommodations

including sleeping space (berth), a toilet (head), and cooking facilities (galley).

b. If it’s a charter vessel (for hire), the taxpayer will have to use the boat for personal purposes for either more than 14 days or 10 percent of the number of days during the year the boat was actually rented, to qualify for the interest deduction in accordance with IRC section 280A(d)(1).

Interest paid on a home equity loan to buy a boat may not be deductible. Home mortgage interest deduction is limited to interest paid on home equity loans up to $100,000. By using a home equity loan, you may limit the amount of interest that is deductible, if a boat loan balance exceeds $100,000.

Get a survey. Your lending institution may require it. Find a SAMS or NAMS certified marine surveyor to evaluate the boat you’re thinking of purchasing. See page 54 about marine surveys.

they’re still around. the number of lending

institutions willing to finance boats has gotten

slimmer. that’s not bad. It just means you need

to know a few things before you even approach

the bank or credit union.

It’s a New DayFinancing Your Boat

LOTW_RG_2012_5.5x8.25.indd 52 4/2/12 12:57 PM


6

5Put yourself in the bank or credit union’s shoes. What information would make you hand over cash to someone for a boat? Is the vessel sound? What’s the history of the boat? How is the re-sale value? What is the going sale prices? Where will you keep the boat? Do you have your boaters’ license or captain’s license?

If anything good has come from the downturn in our economy, we’ve all learned that making a commitment is important. Be prepared to make a 20 to 30 percent down payment in order to get financing on a boat. Actually, this will help when, or if, you decide to sell the boat down the road…you might not be upside down because of the boat’s current value.

A boat is an investment in memories and fun. It is an element of the entertainment dollar. And those investments can’t be measured by a decimal point.

4Chat with a trusted financial representative. Before making any credit inquiries, ask to meet with your representative to discuss current market conditions and the actual boat or type of boat you’re interested in purchasing. Then ask what steps should you take in order to get financed.

LOTW_RG_2012_5.5x8.25.indd 53 4/2/12 12:57 PM


Yes, You Need a VHF RadioAlthough not required in recreational boats under 65.6 feet long, a VHF

Marine Radio is an essential piece of equipment. No license is required for recreational boaters, and it allows instant communication between your boat and other boats, marinas, bridges, locks and dams and the U.S. Coast Guard. It is the primary means of communication on the water, and most allow instant access to NOAA weather forecasts, 24 hours a day.

If you have the radio on, you must maintain a watch on VHF channel 16. Although you may have many channels on your radio, all but the ones listed below are restricted to specific uses.

channel 16: Used to hail boat or the lockmaster, and for emergency and distress calls. Once contact is made switch to the requested channel.

channel 22a: Restricted to Coast Guard use only. If you establish contact with the Coast Guard on 16, they may ask you to switch to 22A. You may also hear an announcement on channel 16 to switch to 22A for important information.

channel 13: Communication with bridges — both bridges that must open in order for you to fit under them and the bridges of large vessels. This is a good channel to listen to in periods of poor visibility. (You must use the low power on your radio when broadcasting on Channel 13.)

channels 68, 69, 71, 72, 78a: The only working channels available to non-commercial vessels for ship-to-ship and ship-to-shore communications.

LOTW_RG_2012_5.5x8.25.indd 54 4/2/12 12:57 PM


1. Have on board fifty feet of line, proper deck fittings on which to attach line, fenders, and a life jacket for every passenger.

2. Know the meaning of buoys and navigation markers and the lockage priority of your boat (government vessels have first priority followed by commercial passenger vessels, commercial tows and barges, then recreational boats last).

3. Once signaled, approach the lock slowly. Wrap your line around a floating mooring post and tie the free end to your cleat. Do not tie to the ladder or any stationary object.

4. When the exit gate is fully opened and the Lockmaster signals you to depart, the boat nearest the exit should leave first. Do not pass other boats and do not create a wake.Having the phone number to the lock can be an advantage. Monitor

channel 1 on your VHF radio. If you call the lock operator on this channel and get no answer try channel 13 or 14.

Sandra Ellard relaxes while her husband, Mike, locks through Watts Bar. photo: Mike Ellard

Locking Through

watch a video of locking through from Life on the Water tV!

LOTW_RG_2012_5.5x8.25.indd 55 4/2/12 12:57 PM


Q: What is USCG documentation anyway? - Nancy Kay, Athens, Georgia

a: It’s registering your vessel with the U.S. Coast Guard, like a national registration. Vessels that are 25 feet long and up can document. Three good reasons to document with the U.S. Coast Guard are:– If you live in a state that does not title boats, having a USCG documented

vessel can help with proof of ownership issues when you get ready to sell the boat.

– If you travel across state lines, where boating laws may vary, your USCG documentation is recognized everywhere.

– If you plan to finance your boat purchase, many lending institutions now require qualified vessels to document and will establish a ship’s mortgage on the boat.

DOCUMENTATION and STATE REGISTRATION

REaDER QUEStIOnS aBOUt...

LOTW_RG_2012_5.5x8.25.indd 56 4/2/12 12:57 PM


Q: If I document my boat with the U.S. Coast Guard, do I have to register it in my state? - Vince Smith, Louisville, Kentucky

a: Absolutely. Every state has different requirements, but USCG documentation does not supersede registering in your state OR registering in the state you will be using the boat. And yes, you have to pay sales tax, or at least a registration fee, even if your boat is documented. Check out takemefishing.org for links to every state’s registration requirements.

Q: I’ve heard that if my boat is documented with the U.S. Coast Guard, they could seize my vessel at a time of war? Is that true? - Kevin Sealy, St. Louis, Missouri

a: The precedence of waiving taxes on documented boats in order to use citizens’ boats to transport soldiers or cargo during war time began with World War II. But it’s highly unlikely that the U.S. Navy would need to borrow your 34-foot cruiser, but technically, yes they could.

For great information on USCG DOCUMENTATION visit the National Vessel Documentation Center’s website, a branch of the U.S. Coast Guard. Google ‘National Vessel Documentation Center’ and the page will pop right up.

Caption: Boats from around the Southeast flock to Boomsday on Calhoun’s Deck, Knoxville, Tennessee for football season. Photo: Knoxville Tourism and Sports Commission

LOTW_RG_2012_5.5x8.25.indd 57 4/2/12 12:57 PM


Don’t wait until spring to begin planning your next season of fun on the water. Winter is a great time to sharpen your knowledge of navigational skills, emergency procedures, and safety regulations in courses conducted by the U. S. Coast Guard Auxiliary, United States Power Squadron®, state boating authority or other boating safety organization. If you trailer your boat across state lines, you can also check the National Association of State Boating Law Administrators (NASBLA) website at nasbla.org to see what boating safety courses may be required from state to state.

At the very least, get the basics. Important aspects of boating safety can be covered in about eight to 10 hours of instruction, including a review of federal requirements, required safety equipment, proper steerage, lines and ropes, knots, weather, and PWC operating info. Boaters also learn how to share the waterways safely with others.

And remember, boating education is not just for the beginner. For experienced boaters who are already well versed in the basics, the off-season is an opportunity to take classroom instruction on advanced navigation and charting, using the latest marine technology.

Good boating education teaches responsible boating practices that make the on-the-water experience safer and more enjoyable for everyone involved. The off-season is a good time to sign up and learn more about boating. You’ll be doing yourself a favor and putting your passengers in more capable hands.

source: U.S. Coast Guard

The more you Know…The More Fun You’ll Have

LOTW_RG_2012_5.5x8.25.indd 58 4/2/12 12:57 PM


Operator training in how to handle a boat in different situations is critically important to the safety of everyone on board. In 2009, according to U.S. Coast Guard national data, 76 percent of recreational boating accidents involving fatalities occurred on boats where the boat operator had received no known instruction on how to operate the vessel.

For boat owners there’s an added incentive to get training; insurance companies frequently offer discounts on boat insurance to individuals who successfully complete a boating safety course approved by the National Association of State Boating Law Administrators (NASBLA and recognized by the U.S. Coast Guard.)

no known Instruction

76%

stateTraining

6%

usCg auxiliary,u.s.Power squadrons®, american

red Cross-approved Training4%

Informal or Internet

Training14%

*U.S. Coast Guard Recreational Boating

Statistics 2013

Training in boating safety lowers the risk of accidents and fatalities

Percent of death by know operator Instruction

LOTW_RG_2012_5.5x8.25.indd 59 4/2/12 12:57 PM


A marine survey is an inspection of the structural, mechanical and electrical systems of a boat. Certified marine surveyors are your best option and usually the only service accepted by insurers and lending institutions. Much like a home appraisal, you’ll get an estimated value based on current market conditions. Here are some tips when enlisting the help of a surveyor:– request the checklist that he or she

will use when inspecting the boat– ask for a list of the services they

include in their fees as well as additional services they offer such as engine compression test, electronics testing, sea trial or hull inspection. Make sure you know what your survey will include and the cost for those services.

– be specific if you have concerns for something on the boat. Maybe you’ve heard rumors that a boat had sunk or was damaged. The surveyor is your contracted help in evaluating a boat’s soundness.

– ask your insurance company or lending institution for the specific details they will want to see in order to give you the best premium or interest rate possible. Consider them your partner in buying a boat.

– if deficiencies are revealed in the survey, the seller should know what they are. He or she can decide whether to fix the problem or give a pricing adjustment.

To Survey or Not to Survey?

LOTW_RG_2012_5.5x8.25.indd 60 4/2/12 12:57 PM


Lifeonthewater.com/resources

A little girl stands on the banks of the Black Warrior

River on Tuscaloosa, Alabama’s waterfront watching the

towboats cruise by with the sound of giggling girls in the

background. But she doesn’t join in. Ty Hope was

fascinated by the massive tows pushing enormous

barges on her tiny river.

Ty Hope’s uncle grew up on that river also. Fresh out of

college, he made his way to New Orleans, Louisiana to

make his mark into the marine industry. After a few

years and lots of hard work, he now runs a nationwide

marine inspection company. Ty worked with her uncle

in the business, surveying barges and towboats for

commercial companies.

LIFE ON THE

WATER

RESOURCE

PROFILE:

Ty Hope

Marine

Surveyor

With

Progressive

Maritime

Services



Ty moved to Chattanooga, Tennessee in September

2011 and her uncle put her in contact with some of his

marine industry friends. David Brooks, owner of

Progressive Maritime Services, was one of those friends.

He was ready to move into another phase of his life and

asked Ty if she would take over.

She jumped at the opportunity.

“Never stop learning. Never,” Ty tells us is the key to

growing and being a successful marine surveyor. She is

a member of the esteemed Society of Accredited

Marine Surveyors (SAMS), member of the American

Boat and Yacht Council (ABYC), a graduate of the

Chapman School of Seamanship, Yacht & Small Craft

Survey Class and is ABYC Standards certified.

Ty and Progressive Maritime Services can conduct

insurance, pre-purchase and condition and value

marine surveys. Her evaluations cover the overall

condition of the vessel structure as well as all systems,

Her experience working with her uncle

gave her an amazing base of knowledge

that most marine surveyors spend

many years of ‘trial and error’ getting in

their business. Her passion for the

marine industry and her perspective

from a female point of view has made

Ty Hope one of the most respected

marine surveyors in the South.



and equipment onboard, ensuring that the vessel is in

compliance with ABYC standards.

With her background in the commercial marine

surveying industry, Ty and Progressive Maritime

Services can also provide draft surveys and tonnage

reports to buyers and sellers of commodities being

shipped by barge.

And yes, she is one of a handful of female marine

surveyors in the world. When we asked her if that made

it difficult, she merely replied, “No…it’s really an

advantage.” We like that spirit.

Ty Hope

Progressive Maritime Services

Cell 423-580-0947

Fax 423-875-6262

[email protected]


Water is the driving force of all nature.

– Leonardo da Vinci

photo: Lisa Hancock

LOTW_RG_2012_5.5x8.25.indd 90 4/2/12 12:58 PM


bo

aT

ma

nu

faC

Tu

re

rs Adventure Craft

Calumet, MI 49913888-482-7015adventurecraft.com

Bayliner Marine Corp U.S. Marine800 Gay St., Suite 1700Knoxville, TN 37929865-582-2200baylinerboats.com

Bluewater Boats4394 Enterprise PlaceFremont, CA 94538510-651-8400bluewater-boats.com

Bryant Boats, Inc.306 Sweetwater Vonore RoadSweetwater, TN 37874423-337-3639bryantboats.com

Catamaran Cruisers4166 Demastus LaneColumbia, TN 38401800-365-1255catamarancruiser.com

ChaparralPO Drawer 928Nashville, GA 31639229-686-7481chaparralboats.com

Desert Shore Houseboats801-698-7101desertshore.com

Destination YachtsPO Box 58Montgomery, IN 37558812-486-2628destinationyachts.com

Duffy Electric Boats17260 Muskrat AveAdelanto, CA 92301949-645-6811duffyboats.com

Ebbtide Corp.2545 Jones Creek Rd.White Bluff, TN 37187615-797-3193ebbtideboats.com

Emerald Bay4801 Feather River Blvd #16Oroville, CA 95965530-534-3440emeraldbayhouseboats.com

Fantasy Yachts1897 North Highway 90 OldMonticello, KY 42633606-348-0445 Funtime Yachts2459 N Hwy 127Russell Springs, KY 42642270-866-7999funtimehouseboats.com

Gibson Houseboats130 Davis St.Portland, TN 37148615-325-9320gibsonboats.com

Godfrey Marine4500 Middlebury St.Elkhart, IN 46515574-522-8381 Grady-White Boats, IncPO Box 1527Greenville, NC 27835252-752-2111gradywhite.com

Holiday MansionRR3 - Box 111, Albany LaneAlbany, KY 42602502-262-8100holidaymansion.com

Horizon YachtsRt. 1, Box 290XMonticello, KY 42633606-348-1528horizon-yachts.com

Jefferson Yachts700 E Market StreetJefferson, IN 47130812-282-8111jeffersonyachts.com

Lakeview Houseboats2870 East HWY 90Monticello, KY 42633606-348-3412lakeviewyachts.com

Leisure Kraft Pontoones1996 Peavine RoadCrossville TN 38571931-484-2681leisurekraft.com

Majestic Yachts101 Westwood DriveColumbia, KY 42728270-385-9828majesticyachtsinc.com

Malibu Boats West, Inc.One Malibu Ct.Merced, CA 95340209-383-7469 MasterCraft Boat Company100 Cherokee Cove Dr.Vonore, TN 37885423-884-2221mastercraft.com

MetroShip818-357-4000metro-ship.com

Moomba1717 Henry G Lane StMaryville, TN 37801885-983-9924skierschoice.com

MoticelloPO Box 1585Jeffersonville, IN 47131812-282-7579 monticelloriveryachts.com

LOTW_RG_2012_5.5x8.25.indd 64 4/2/12 12:57 PM


bo

aT

ma

nu

faC

Tu

re

rs

Myacht417-873-4555myachtboats.com

Nomad Houseboats17695 Campground Rd.Phillipsburg, MO 65722252-288-5670nomadhouseboats.com

Patio Cruisers2434 Dayton RoadChico, CA 95928530-897-0690 patiocruisers.com

Pluckebaum1231 State Road 1793Prospect, KY 40059502-228-0111pluckebaum.com

Rinker Boat Co. Inc.128 River RoadHendersonville, TN 37075615-824-2175rinkerboats.com

Sea Ray Boats2600 Sea Ray Blvd, Bldg 1Knoxville, TN 37914 searay.com

Sharpe Houseboats5215 S. Highway 27Somerset, KY 42501606-676-0610sharpehouseboat.com

Stardust Cruisers2300 E. Highway 90 BypassMonticello, KY 42633606-348-8466stardustcruisers.com

Starlitestarlitehouseboats.com

Sun Tracker2500 East KearneySpringfield, MO 65898417-873-4555suntrackerboats.com

Sunseeker sunseeker.com

Sunstar606-348-6648sunstarhouseboats.com

Supra1717 Henry G Lane StMaryville, TN 37801885-983-9924skierschoice.com

Thoroughbred Houseboats185 Fairground RoadAlbany, KY 42602606-387-7421thoroughbredhouseboats.com

Tige126 Weakley LaneSmyrna, TN 37167615-625-3689tige.com

Travelwave1374 highway 77Marysville, KS 66508785-629-8043travelwave360.com

Twin Anchor 619-294-4300twinanchorboats.com

LOTW_RG_2012_5.5x8.25.indd 65 4/2/12 12:57 PM


bo

aT

er

ed

uC

aT

Ion Captain’s Quest

904-460-9477capquest.com

Life on the Water MagazinePO Box 12171Huntsville, AL 35815256-656-2200lifeonthewater.com

Lighthouse Landing Sailing SchoolPO Box 129Grand Rivers, KY 42045800-491-7245lighthouselanding.com

National Association of State Boating Law Administrators1500 Leestown Rd, Ste 330Lexington, KY 40511 859-225-9487nasbla.org

Offshore Sailing School16731 McGregor BoulevardFort Meyers, FL 33903800-221-4326offshore-sailing.com

True Course Captains School 937-478-1947www.truecourses.com

United States Power Squadronsusps.org

U.S. Coast Guard Auxiliary cgaux.org/boatinged

May 17-23 is National Safe Boating Week

LOTW_RG_2012_5.5x8.25.indd 66 4/2/12 12:57 PM


go

ve

rn

me

nT

ag

en

CIe

s

ALABAMA

State DepartmentSalabama.gov

Building Commission770 Washington Avenue, Suite 444Montgomery 36130334-242-4082bc.alabama.gov

Conservation & Natural Resources64 North Union StreetMontgomery 36130334-242-3154dcnr.state.al.us

Docks DepartmentPO Box 1588Mobile 36633251-441-7203asdd.com

Emergency Management AssociationPO Drawer 2160Clanton 35046205-280-2200ema.alabama.gov

Environmental Management1400 Coliseum BoulevardMontgomery 36110334-394-4352adem.alabama.gov

Geological SurveyPO Box 869999Tuscaloosa 35486-6999205-349-2861gsa.alabama.gov

Governor’s Office600 Dexter AvenueMontgomery 36130334-242-7100governor.state.al.us/staff

Homeland SecurityPO Box 304115Montgomery 36130-4115334-353-3071Homelandsecurity.alabama.gov

House of Representatives11 South Union StreetMontgomery 36130334-242-7600legislature.state.al/house/house.html

Legislaturelegislature.alabama.gov

Motor Vehicle Registration50 N. Ripley StMontgomery 36132334-242-9000ador.alabama.gov

Senate11 S. Union StMontgomery 36130334-242-7800legislature.state.al.us

Soil & Water Conservation100 N. Union St, Ste 334Montgomery 36104334-242-0551swoc.alabama.gov

Transportation1409 Coliseum BoulevardMontgomery 36110334-242-6358dot.al.us

Tourism401 Adams AveMontgomery 36104334-242-4169alabama.travel

Wildlife & Freshwater Fisheries Division64 North Union Street, Suite 514Montgomery 36130334-242-3884outdooralabama.com

agencieSAlabama Forestry CommissionPO Box 302550Montgomery 36130334-240-9300forestry.state.al.us

Alabama Marine Police Division HeadquartersPO Box 301451Montgomery 36130334-242-3673dcnr.state.al.us/boating/

Alabama Natural Resources Conservation Service3381 Skyway DriveAuburn 36830334-887-4581al.nrcs.usda.gov

Alabama Power600 North 18th StreetBirmingham 35291800-245-2244alabamapower.com

Alabama Wildlife FederationPO Box 631Guntersville 35976800-822-9453alabamawildlife.org

TVAPO Box 2000Decatur 35609-2000256-729-2000tva.gov

U.S. Army Corps of Engineers - Mobile District HeadquartersPO Box 2288Mobile 36628251-690-2505sam.usace.army.mil/locate_us.htm

LOTW_RG_2012_5.5x8.25.indd 67 4/2/12 12:57 PM


go

ve

rn

me

nT

ag

en

CIe

s

KENTUCKY

State DepartmentSDivision of Conservation375 Versailles RoadFrankfort 40601502-573-3080ec.ky.gov

Emergency Management100 Minuteman ParkwayFrankfort 40601800-255-2587kyem.ky.gov

Environmental Protection300 Fair Oaks LnFrankfort 40601502-564-0323eec.ky.gov

Fish & Wildlife#1 Sportsman LaneFrankfort 40601502-564-3400kentuckyunbridledspirit.com

Governor’s Office700 Capitol Avenue, Suite 100Frankfort 40601502-564-2611governor.ky.gov

Homeland Security200 Mero StreetFrankfort 40622502-564-2081homelandsecurity.ky.gov

Motor Vehicle LicensingPO Box 2014Frankfortv40602-2014 502-564-1257transportation.ky.gov

Natural Resources2 Hudson HollowFrankfort 40601502-564-6940eec.gov

Tourism, Arts and Heritage Cabinet500 Mero St.Frankfort 40601502-564-4270tah.ky.gov

Water200 Fair Oaks Lane, 4th flrFrankfort 40601502-564-3410eec.ky.gov

Parks500 Mero StreetFrankfort 40601502-564-4841parks.ky.gov

agencieSU.S. Army Corps of Engineers - Louisville District600 Martin Luther King, Jr. PlaceLouisville 40202502-315-6766lrn.usace.army.mil

MISSISSIPPI

State DepartmentSEmergency ManagementPO Box 5644 Pearl 39288601-933-MEMA msema.org

Environmental QualityPO Box 2261Jackson 39225888-786-0661deq.state.ms.us

Geospatial Clearinghouse455 North Lamar StreetJackson 39202601-359-6762gis.ms.gov

Governor’s OfficePO Box 139Jackson 39205601.359.3150governorbarbour.com

Homeland SecurityPO Box 958Jackson 39205601-346-1500homelandsecurity.ms.gov

Marine Resources1141 Bayview AvenueBiloxi 39530800-374-3449dmr.state.ms.us

Port AuthorityPO Box 40Gulfport 39502 228-865-4300shipmspa.com

Soil & Water Conservation CommissionPO Box 23005Jackson 39225-3005601-354-7645mswcc.state.ms.us

State Parks1505 Eastover Dr.Jackson 39211-6374601-432-2400mississippistateparks.reserveamerica.com

Tourismvisitmississippi.com

Wildlife, Fisheries and Parks1505 Eastover DriveJackson 39211601-432-2400mdwfp.com

agencieSU.S. Army Corps of Engineers - Mississippi Valley Division1400 Walnut StreetVicksburg 39180601-634-5760mvd.usace.army.mil

LOTW_RG_2012_5.5x8.25.indd 68 4/2/12 12:57 PM


go

ve

rn

me

nT

ag

en

CIe

s

TENNESSEE

State DepartmentSEconomic & Community Development312 Rosa L. Parks Avenue, 11th FloorNashville 37243615-741-1888tnecd.gov

Emergency Management3041 Sidco DriveNashville 37204800-262-3400tnema.org

Environment & Conservation401 Church StreetNashville 37243888-891-TDECtn.gov/environment

Governor’s Office1st Floor, State CapitolNashville 37243615-741-2001tn.gov/governor

Hours of RepresentativesState Capitol Nashville, TN, 37243615-741-2901tn.gov/house

Homeland SecurityTN Tower25th Floor 8th Ave. N. Nashville 37243615-532-7825tn.gov/homelandsecurity

Parks401 Church Street 7th FloorNashville 37243888-TN-PARKStn.gov/environment/parks

Tourist Development312 Rosa L. Parks Avenue, 25th FloorNashville 37243615-741-2159tn.gov/tourdev

Transportation505 Deaderick Street, Suite 700Nashville 37243615-741-2848tdot.state.tn.us

Wildlife Resources Agency4400 Hogan RoadNashville 37220615-781-6500www.tn.gov/twra

agencieSU.S. Army Corps of Engineers - Nashville DistrictPO Box 1070Nashville 37202615-736-7161lrn.usace.army.mil

national Federal Emergency Management AgencyU.S. Department of Homeland Security500 C Street SWWashington, D.C. 20472202-646-2500fema.gov

US Department of Homeland Security245 Murray Ln Sw # 14Washington D.C., DC 20528202-447-5751dhs.gov

Tennessee Valley Authority400 West Summit Hill DriveKnoxville, TN 37902865-632-2101tva.gov

U.S. Army Corps of Engineers - Great Lakes & Ohio River Division441 G St. NWWashington, DC 20314 usace.army.mil

U.S. Coast Guard Auxiliary cgaux.org

U.S. Coast Guard Headquarters2100 2nd Street SouthwestWashington, DC 20593202-372-4422uscg.mil

U.S. Environmental Protection Agency epa.gov

U.S. Fish and Wildlife Service 800-344-WILDfws.gov

LOTW_RG_2012_5.5x8.25.indd 69 4/2/12 12:57 PM


loC

ks ALABAMA RIVER

Robert F. Henry DamMM 236334-872-9525sam.usace.army.mil

Miller’s Ferry DamMM 133334-682-9262sam.usace.army.mil

Claiborne DamMM 72334-682-4244sam.usace.army.mil

BLACK WARRIOR RIVERBankhead Lock & DamMM 365.5205-339-1921sam.usace.army.mil

Holt Lock & DamMM 347.0205-553-1711sam.usace.army.mil

Oliver Lock & DamMM 338.1205-758-4860sam.usace.army.mil

Seldon Lock & DamMM 261.2205-372-9868sam.usace.army.mil

CUMBERLAND RIVERCordell Hull Lock & Dam MM 313.5615-735-1040lrn.usace.army.mil

Old Hickory Lock & DamMM 216.2615-847-3281lrn.usace.army.mil

Cheatham Lock & DamMM 148.7615-242-1922lrn.usace.army.mil

Barkley Lock & DamMM 30.6270-362-9131lrn.usace.army.mil

TENNESSEE RIVERFort Loudon DamMM 602.3865-986-2762tva.com/river/lakeinfo

Watts Bar Dam MM 529.9423-334-3522tva.com/river/lakeinfo

Chickamauga DamMM 471423-875-6230tva.com/river/lakeinfo

Nickajack Dam MM 424.7423-942-3985tva.com/river/lakeinfo

Guntersville Dam MM 349256-582-3263tva.com/river/lakeinfo

Wheeler Dam MM 274.9256-247-3311tva.com/river/lakeinfo

Wilson Dam MM 259.4256-764-5226tva.com/river/lakeinfo

Pickwick Dam MM 206.7731-925-2334tva.com/river/lakeinfo

Kentucky DamMM 22.4270-962-4226tva.com/river/lakeinfo

TENNESSEE RIVER-CLINCH RIVERMelton Hill Dam MM 23.1865-986-2610tva.com/river/lakeinfo

TENN-TOM WATERWAYJamie Whitten Dam MM 411.9601-454-7977tenntom.sam.usace.army.mil

GV “Sonny” Montgomery Dam MM 406.7601-585-3915tenntom.sam.usace.army.mil

John Rankin DamMM 398.4601-585-3080tenntom.sam.usace.army.mil

Fulton Dam MM 391601-862-7431tenntom.sam.usace.army.mil

Glover Wilkins Dam MM 376.3601-651-4966tenntom.sam.usace.army.mil

Amory Dam - Tenn TomMM 371.1601-256-4051tenntom.sam.usace.army.mil

Aberdeen Dam - Tenn TomMM 357.5601-369-7966tenntom.sam.usace.army.mil

John C. Stennis Dam MM 334.7601-328-7075tenntom.sam.usace.army.mil

Tom Bevill DamMM 306.8205-373-2942tenntom.sam.usace.army.mil

LOTW_RG_2012_5.5x8.25.indd 70 4/2/12 12:57 PM

Howell Heflin Dam MM 266.1205-652-9258tenntom.sam.usace.army.mil

Demopolis Dam MM 213.2205-289-0645tenntom.sam.usace.army.mil

Coffeeville Dam MM 116.6205-276-3293tenntom.sam.usace.army.mil


Dozier’s Waterway Guide PublicationsPO Box 1125Deltaville, VA 23043800-233-3369waterwayguide.com

Landfall151 Harvard Ave.Stamford, CT 6902800-941-2219landfallnav.com

Life on the Water MagazinePO Box 12171Huntsville, AL 35815877-274-0767lifeonthewater.com

Manual for Development, Design & Operations of the Modern Marina maffett-bouton.com

Marina Dock Age magazine6600 West Touhy AvenueNiles, IL 60714847-647-2900marinadockage.com

Quimby’s Cruising Guide319 N Fourth Street, Ste 650St. Louis, MO 63102314-241-4310heartlandboating.com

Skipper Bob’s Cruising GuidesPO Box 1125Daltaville, VA 23043804-776-8899skipperbob.net

The Tennessee River Guide Book865-765-3407navcal.com

Women on Board Cruising favorsventures.com

LOTW_RG_2012_5.5x8.25.indd 72 4/2/12 12:57 PM

MA

PS

, CH

AR

TS

& P

UB

LIC

AT

ION

S


ALABAMAAlabama Tourism DepartmentPO Box 4927Montgomery 36103-4927800-ALABAMA alabama.travel

StatewiDe Alabama Assn. of RV Parks and Campgrounds1340 Vickers Rd.Tallahassee 32303850-562-campinalabama.com

Alabama Scenic River Trail799 Ashley Dr.Madison 35758256-426-alabamascenicrivertrail.com

Alabama State Parks Division64 N. Union St.Montgomery 36130800-252-outdooralabama.com

Bed & Breakfast Association of Alabama, Inc.PO Box 707Montgomery 36101-0707bedandbreakfastalabama.com

regionalAlabama Mountain Lakes Tourist AssociationPO Box 2537Decatur, AL 35602866-NORTH-AL northalabama.org

Tenn-Tom Tourism AssociationPO Drawer 671Columbus, MS 39703800-457-9739 tenntom.org

citieSAlexander City Chamber of CommercePO Box 926Alexander City 35011-0926256-234-3461alexandercity.org

AthensGreater Limestone Chamber of CommercePO Box 150Athens 35612256-232-2600 tourathens.com

BirminghamGreater Birmingham CVB2200 9th Ave. N.Birmingham 35203800-458-8085birminghamal.org

CentrevilleBibb Co. Chamber of CommercePO Box 25Centreville 35042205-926-5222bibbchamber.org

Cullman Area Chamber of Commerce301 2nd Avenue SouthwestCullman 35056800-313-5114cullmanchambers.org

Dauphin Island Chamber of CommercePO Box 5Dauphin Island 36528877-532-8744 dauphinislandcoc.com

Decatur/Morgan Co. CVBPO Box 2349Decatur 35602800-232-5449decaturcvb.org

Demopolis Area Chamber of CommercePO Box 667Demopolis 36732334-289-0270 demopolischamber.com

Eufaula/Barbour Co. Chamber of Commerce333 E. Broad St.Eufaula 36027800-524-7529eufaulachamber.com

Florence/Lauderdale TourismOne Hightower PlaceFlorence 35630888-FLO-Tourvisitflorenceal.com

FlorenceShoals Chamber of Commerce20 Hightower PlaceFlorence 35630256-764-4661shoalschamber.com

Gadsden/Etowah Chamber of Commerce1 Commerce SquareGadsden 35901256-543-3472gadsdenchamber.org

Gulf CoastAlabama Gulf Coast Chamber of CommercePO Drawer 3869Gulf Shores 36547251-968-4237alagulfcoastchamber.com Gulf CoastAlabama Gulf Coast Convention & Visitors BureauPO Drawer 457Gulf Shores 36547800-745-7263agccvb.org

LOTW_RG_2012_5.5x8.25.indd 73 4/2/12 12:57 PM

To

ur

Ism


Gulf CoastEastern Shore Chamber of Commerce29750 Larry Dee Cawyer DriveDaphne 36526251-621-8222eschamber.org

GuntersvilleLake Guntersville Chamber of Commerce200 Gunter AvenueGuntersville 35976800-869-LAKElakeguntersville.org

HuntsvilleHuntsville - Madison County Chamber of Commerce500 Church St. Ste. OneHuntsville 35801800-843-0468huntsville.org LanetteEufaula/Barbour Co. Chamber of Commerce333 E. Broad St.Eufaula 36027800-524-7529eufaulachamber.com

MoultonLawrence County Chamber of Commerce12467 AL Hwy 157Moulton 35650256-974-1658lawrencealabama.com Mobile Bay Convention & Visitors BureauPO Box 204Mobile 36601251-208-2000mobilebay.org Montgomery Convention & Visitors BureauPO Box 79Montgomery 36101800-240-9452visitingmontgomery.com

Phenix City-Russell Co. Chamber of CommercePO Box 1326Phenix City 36868800-892-2248 pc-rcchamber.com Rogersville Chamber of CommercePO Box 842Rogersville 35652256-247-9449rogersvillealabama.com ScottsboroJackson County Tourism407 East Willow StScottsboro 35768800-259-5508jacksoncountychamber.com

Selma-Dallas Co. Tourism & Convention Bureau912 Selma Ave.Selma 36701800-45-SELMAselmaAlabama.com

TuscaloosaVisit TuscaloosaPO Box 3167Tuscaloosa 35403800-538-8696 visittuscaloosa.com

TuscumbiaColbert County TourismPO Box 740425Tuscumbia 35674800-344-0783visitsheffield.com

Union SpringsTourism Council of Bullock CountyPO Box 5236Union Springs 36089334-738-TOURunionspringsalabama.com

KENTUCKYKentucky Tourism 612 B Shelby StreetFrankfort 40601502-223-8687Kentuckytourism.com

regionalSoutheastern Kentucky2292 S. Hwy. 27Somerset 42501877-868-7735 tourseky.com

West Kentucky Tourism88 Chilton RdBenton 42025270-527-3869 westkentucky.com

citieS CampbellsvilleU.S. Army Corps of Engineers – Visitors Center544 Lake Rd.Campbellsville 42718270-465-4463lrl.usace.army.mil

Cadiz/Trigg County Tourist & Convention Commission5748 Hopkinsville Rd.Cadiz 42211270-522-3892cadiz-lakebarkley.com

Frankfort/Franklin County Tourism Commission100 Capitol Ave.Frankfort 40601502-875-8687visitfrankfort.com

Grand RiversGrand Lakes Chamber of CommercePO Box 181Grand Rivers 42045888-493-0152grandrivers.com

LOTW_RG_2012_5.5x8.25.indd 74 4/2/12 12:57 PM

To

ur

Ism


Vicksburg Convention and Visitors BureauPost Office Box 110Vicksburg 39181-0110800-221-3536 visitvicksburg.com

TENNESSEETennessee Department of Tourism800-462-8366tnvacation.com

regionalMiddle East Tennessee Tourism Council304 E. Lake Forest Dr.Knoxville 37920888-568-3662easttnvacations.com

Middle Tennessee Tourism Council501 Union St., 6th Flr.Nashville 37219615- 862-8828middletennesseetourism.com

Northeast Tennessee Tourism Association109 Fox StreetJonesborough 37659800-468-6882 netta.com

Northwest Tennessee Tourism Council231 South Wilson StDresden 38225866-698-6386 kentuckylaketourism.com

South Central Tennessee Tourism Association3780 Franklin Pk.Lewisburg 37091931-993-3286sctta.net

Southeast Tennessee Tourism Association1000 Riverfront Pkwy.Chattanooga 37402877-807-4885 southeasttennessee.com

Southwest Tennessee Tourism Association PO Box 10543Jackson 38308866-261-7534tast/tn.org

Tennessee State Parks401 Church St., 7th Flr.Nashville 37219888-867-2757 tn.gov

citieSByrdstownBig South Fork Tourist Info Center8500 Highway 111, Suite 100Byrdstown 38549931-864-8666go2bsf.com

CamdenKentucky Lake – TN River Convention & Visitors Bureau255 Marina Rd., I-40 to Exit 133Camden 38320800-225-7469kentuckylaketennessee.com

CelinaClay County Chamber of Commerce424 Brown St.Celina 38551Phone: (931) 243-3338 dalehollowlake.org

Chattanooga Area Chamber of Commerce811 Broad StreetChattanooga 37402423-756-2121chattanoogachamber.com

Chattanooga Convention & Visitors Bureau2 Broad StreetChattanooga 37402423-756-8686 chattanoogafun.com Clifton Area Chamber of Commerce122 Main StClifton 38425931-676-5570cliftonchamber.com

ClintonAnderson County Chamber of Commerce245 N. Main Street, Suite 200Clinton 37716865-457-2559andersoncountychamber.org

DecaturMeigs County – Decatur Chamber of CommercePO Box 1301Decatur 37322877-230-3184meigscountytnchamber.org

LOTW_RG_2012_5.5x8.25.indd 76 4/2/12 12:57 PM

To

ur

Ism


I sm

GallatinSumner County Convention & Visitors BureauPO Box 957Gallatin 37066888-301-7866sumnercvb.com JasperMarion County Chamber of Commerce302 Betsy Pack Dr.Jasper 37347423-942-5103 marioncountychamber.com

Knoxville Chamber of Commerce17 Market Square #201Knoxville 37902865-637-4555knoxvillechamber.com

Lenoir CityLoudon County Visitors Bureau1075 Hwy. 321 N.Lenoir City 30771888-568-3662 visitloudoncounty.com

Nashville Convention & Visitors Bureau150 Fourth Ave. N., Ste. G-250Nashville 37219800-657-6910 visitmusiccity.com

Pigeon Forge Dept. of Tourism2450 ParkwayPigeon Forge 37868865-453-8574mypigeonforge.com

SavannahHardin County Convention & Visitors Bureau495 Main St.Savannah 38372800-552-3866 tourhardincounty.org

Spring City Chamber of Commerce384 Front St.Spring City 37381423-365-5210springcitychamberofcommerce.com

TazewellClaiborne County Tourism CommissionPO Box 649Tazewell 37879800-332-8164claibornecounty.com

Union CityObion County Chamber of Commerce214 E. Church St.Union City 38261866-698-6386 obioncounty.org

Wayne County Chamber of Commerce219 East BroadwayCollinwood [email protected]

Common Words WITh neW meanIng on The WaTer...

guy – A line or tackle to steady a said, yard or cargo boom.grIPe – An abnormal tendency for a sailing craft to turn into

the wind.buTToCks – Components in the design of any hull, lines of

vertical longitudinal planes passing through the hull.

yaWl – (not y’all) A sailboat rig, with a large mainsail forward and a smaller mizzen or jigger aft.

kId – A small open barrel, also a large pan or pot.dog – The name for a lever to close or tighten a hatch or door.gyPsy – (actually spelled gipsy) The warping end of a winch

or windlass.

LOTW_RG_2012_5.5x8.25.indd 77 4/2/12 12:57 PM

To

ur

Ism


360boating.com – Listing of boating companies by category

activecaptain.com – Interactive cruising guidebook

americasboatingcourse.com – A listing by state of boating laws

americaswaterwaywatch.org – U.S. Coast Guard site for information on reporting suspicious activity

cgaux.org – United States Coast Guard Auxiliary

congressmerge.com – A link to US senators and representatives for each state

greatloop.org – America’s Great Loop Cruisers’ Association

greenboatingusa.com – Alternative, eco-friendly products, links and consulting services to marinas and boat owners

kentucky-marinas.com – The Kentucky Marina Association is a state wide organization which represents marinas located in the state of Kentucky

lakesonline.com – A resource for lake and reservoir information

marinebankers.org – Listing of marine lenders, surveyors, insurers, and maritime attorney members

marinesurveyor.org – Listing of all SAMS certified marine surveyors

nasbla.org – Explanation of boating laws by state

riverbills.com – Mississippi River and Illinois River information

saltwatertides.com – Source for tide, moon, and sun predictions for the Gulf Coast, US East Coast and US West Coast

tennesseemarinas.com – Tennessee Marina Association is a statewide organization which represents marinas all across the state

tennesseeriver.info – Lake levels, maps, rentals etc

trva-tcwc.org – Source for news and events on the Tennessee and Cumberland Riversusps-17.org -United States Power Squadrons -District 17 “Dixie District”

uscgboating.org – U.S. Coast Guard

weather.com – Latest weather information

weather.gov – Latest weather information

LOTW_RG_2012_5.5x8.25.indd 78 4/2/12 12:57 PM

WE

BS

ITE

S


on the water resource library from life on the water magazine

Documents

boating equipment coverage

boating experts

water towing

expert claims service

insuring boats

fuel spill liability

safe boater discounts

lifetime repair guarantee