For Boat Owners & Sailors

That boat storage contract has a weather damage trap

Most facilities bury clauses that make you personally liable for hurricane damage, flood repairs, or even 'acts of God.' You sign it thinking you're covered, then a storm hits and the bill is yours.

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Check My Contract
The Problem

You're on the hook for everything

Marina and storage facility contracts are written to protect their assets, not your boat. They use vague terms like 'foreseeable weather events' or 'ordinary wear' to deny claims when a real storm hits.

  • That 'hurricane deductible' clause is often 10% of your boat's value—that's $5,000 on a $50,000 boat
  • They define 'negligence' so broadly that failing to move your boat during a watch becomes your fault
  • The 'force majeure' exception usually covers them, not you, when a named storm damages multiple boats
The Solution

We find the traps before you're on the hook

Legal Shell AI reads your storage contract line by line, flags the exact clauses that shift weather risk to you, and explains what they mean in plain English.

  • See which specific weather events they consider your responsibility
  • Get the real deductible amounts and liability caps highlighted
  • Learn which clauses are likely unenforceable in your state

How to find hidden weather liability in 3 minutes

No legal jargon, just clear answers about what happens when it storms

1

1. Upload your storage contract

Just take a photo or upload the PDF. We handle any format—no need to type anything.

2

2. Get your risk report

Our AI highlights every clause about weather, storms, floods, and 'acts of God.' See exactly where you're liable.

3

3. Know what to negotiate

We suggest specific language to add or remove so you're not left holding the bag after the next hurricane.

Numbers from real boat owners

8264
Boat owners reviewed contracts
18008
Storage contracts analyzed
78%
Had risky weather clauses
12 min
Avg. review time

What other boat owners found

"I thought I was fully insured. Turned out my contract said I was responsible for any 'water intrusion' during a storm. That could've been $20,000 in repairs."

Mike R. · Sailboat owner, Florida

"The marina had a clause about 'failure to secure' that was so vague they could've claimed I didn't tie my boat tight enough after a 60-knot gust. We got that removed."

Sarah T. · Catamaran owner, Texas Gulf Coast

"Found out my 'all-risk' policy meant nothing because the storage contract made me liable for 'flood' which they defined as any water over 2 inches. Changed facilities after that."

Dave L. · Powerboat enthusiast, Louisiana

Frequently asked questions

What weather-related clauses should I be terrified of?
Watch for 'hurricane deductibles' (often 5-15% of boat value), 'act of God' clauses that exclude you, and 'water damage' definitions that include rainwater from storms. Also, any clause requiring you to move your boat within 24-48 hours of a watch—that's often impossible and makes you automatically negligent.
Can I get out of paying for storm damage if the facility was negligent?
Maybe, but most contracts have 'waiver of subrogation' clauses that prevent your insurer from suing them, and 'indemnity' clauses that make you cover their mistakes. We point out if those are present.
Do these contracts ever actually hold up in court?
It depends on your state, but many 'adhesion' contracts with one-sided weather clauses get thrown out. However, you don't want to be the test case. Our report tells you which clauses are legally shaky in your jurisdiction.
What if I already signed? Can I still negotiate?
Often yes, especially if your contract auto-renews annually. You have leverage when it's renewal time. We give you the exact language to request when you talk to the manager.

Don't wait for the storm to hit to read your contract

It takes 3 minutes. You'll see exactly where you're on the hook for weather damage—or you get your money back.

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This content is for informational purposes only and does not constitute legal advice. Always consult a licensed attorney for legal matters.