Sports and Outdoors

 Lake Info

Normal Lake Level is 322.00 feet above Mean Sea Level.
Current level for Cedar Creek Lake is: 321.80 Water Temperature:
83  degrees - top
80
degrees - bottom

 

Boat insurance myths debunked
Monitor Staff Reports
ALEXANDRIA, Va.–Bring up the topic of boat insurance, and most boaters will tell you it’s a sleeper.
However, Boat Owners Association of the United States (BoatUS) says many boaters and anglers might be surprised to know the important details about their own boat’s insurance policy.
BoatUS would like to debunk two common myths about boat insurance to help boaters choose the right coverage, and become more informed consumers.
Myth No. 1 – If you understand home or auto insurance, you’ll understand boat insurance.
Most consumers are familiar with standard home or auto insurance policy language, so it’s easy to shop for price as long as each insurance company has about the same service. Then when you have to file a claim, and each company will treat the loss in the same manner, right?
Not true with boat insurance, because each company can include or exclude whatever coverages it desires.
That means that one company’s policy could cover damage if your boat sinks, for example, while another could exclude the same loss, attributing it to simple “wear and tear.”
Generally, a marine specialty insurer will offer better coverage when compared to adding your boat to your homeowner’s insurance policy.
For example, true “boat specialty” policies will have 24/7 emergency response operations to not only take the first report of a claim, but are able to dispatch resources needed to immediately recover and repair the boat, which can also reduce the boater’s exposure to fines and penalties if their boat is sinking and leaking fuel.
In another example, after a hurricane, some homeowner’s insurance companies’ primary focus is to process claims for home damage, leaving boat insurance claims a distant second priority. Plus, the longer you wait, the greater the chance the boat could incur more damage.
Myth No. 2 – Most companies that specialize in boat insurance have similar coverage, so it’s best to shop on price.
Again, even among marine specialty insurers, all policies are not the same, so the first task is to review the “exclusions” to see what losses are not covered.
A fairly standard exclusion usually starts with wording such as “any loss caused directly or indirectly by wear and tear, gradual deterioration, rot, corrosion, etc.”
The second task is to then see if the policy has a provision to add back “consequential damage” coverage.
Consequential damage coverage appeals to many boat owners because it covers the “consequences” of a loss that was the result wear and tear, deterioration, rot or corrosion.
In plain English, if consequential damage is not covered in your policy, almost every sinking or fire could be excluded.
Lastly, some boat policies limit salvage coverage, or combine salvage expenses with other repair expenses in the same “pile” of money to handle the claim.
This means if your boat sinks and the combined cost of salvage and repair surpass your policy’s limits, you’ll be on the hook for the rest. Not good.
Most boaters need a policy that treats salvage and repair expenses separately.
For example, if you boat is insured for $40,000, you should have up to the full value of the policy ($40,000) for salvage efforts and another $40,000 available for repairs or replacement.
For more information on boat insurance or to ask any questions, call the BoatUS Marine Insurance Department toll-free at (800) 283-2883.

 

First CCVF golf classic set June 7
Monitor Staff Reports
PINNACLE CLUB–The Cedar Creek Veterans Foundation is sponsoring its inaugural CCVF Golf Classic tournament, benefiting The Fisher House and The Wounded Warrior Project.
Registration for the four-man scramble, full handicap tournament opens at 8 a.m. Monday, June 7, followed by a 9:30 a.m. shotgun start at the Pinnacle Club Golf Course.
Entry for the tournament is $200 for a four-man team, which includes lunch and the awards ceremony following the tournament.
Proceeds from the tournament will go to The Fisher House, which provides shelter for the families of severely wounded military personnel during hospital stays.
Also benefiting from the tournament is the Wounded Warrior Project, which provides unique, directed aid and services to meet the needs of severely injured soldiers.
Child actor Jae Head, one of the stars in “The Blind Side,” Sandra Bullock’s Oscar-winning movie, will be a guest participant, along with corporate sponsors.
For more information on the tournament contact Gayle Robinson at (903) 451-5054, or Elaine Bownes at (903) 451-3820.

 

Hop, skip and a jump
MBSAjump.jpg (368320 bytes)
Monitor Photo/Kerry Yancey

Mabank Strikers second baseman Gavin Scrimshire (left) tries to secure the ball as Malakoff Red Sox baserunner Dillon Boles (8) leaps over Scrimshire's leg to reach second base safely during their U8 (machine pitch) baseball game May 21 at Mabank's George Watts Park.

 

Upcoming Events

Yachting

 

June 24
Race Day
skippers meeting 9 a.m. race 10 a.m.

July 10
Marker Bouy Regatta

July 24
Race Day
skippers meeting 9 a.m. race 10 a.m.

Aug. 14
Fun Sail 11 a.m.-2 p.m.

Aug. 28
Race Day
skippers meeting 9 a.m. race 10 a.m.

Sept. 11
AMU race 11 a.m.-2 p.m.



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