Fremont Insurance Shares Boat Winterization Advice

FREMONT, Mich., Oct. 14, 2013 /PRNewswire/ -- Summer in Michigan has come and gone and with its passing, another boating season has come to a close.  As cooler temperatures move in, its time for Michigan boaters to prepare their crafts for the winter months ahead. Fremont Insurance Company is committed to providing its customers with the resources they need to protect their assets to avoid accidents and costly damages. As part of that commitment the company provides its customers with advice to properly prepare their seasonal property, including boats, for the offseason.  Proper winterization is critical to protecting a boat from harsh Michigan weather and damage resulting from improper maintenance may not be covered by an insurance policy, so Fremont recommends all boat owners take a few moments to complete the following steps recommended by DiscoverBoating.com.

Inboard Engine(s) - Run the engine(s) to warm it up and change the oil and oil filter while it is warm. Flush the engine(s) with fresh water and then circulate antifreeze through the manifold by using a pickup hose from the waterpump to a bucket of antifreeze. Start the engine and allow the antifreeze to circulate until water starts to exit the exhaust. This process will vary slightly depending on whether you have a "Raw Water" cooling system or an "Enclosed Fresh Water" cooling system. While you're in the engine room you should also change the fluid in your transmission. Remove spark plugs and use "fogging oil" to spray into each cylinder. Wipe down the engine with a shop towel sprayed with a little fogging oil or WD-40.

Stern Drive(s) – Thoroughly inspect the stern drive and remove any plant life or barnacles from the lower unit. Drain the gear case and check for excessive moisture in the oil. This could indicate leaking seals and should be repaired. Clean the lower unit with soap and water. If your stern drive has a rubber boot, check it for cracks or pinholes. Grease all fittings and check fluid levels in hydraulic steering or lift pumps. Check with your owner's manual for additional recommendations by the manufacturer.

Outboard Engine(s) – Flush engine with fresh water using flush muffs or similar device attached to the raw water pickup. Let all water drain from the engine. Wash engine down with soap and water and rinse thoroughly. Disconnect fuel hose and run engine until it stops. It is important to follow a step by step process to make sure that all fuel is drained from the carburetor to prevent build-up of deposits from evaporated fuel. Use fogging oil in the cylinders to lubricate the cylinder walls and pistons. Apply water resistant grease to propeller shaft and threads. Change the gear oil in the lower unit. Lightly lubricate the exterior of the engine or polish with a good wax.

Fuel – Fill your fuel tank(s) to avoid a buildup of condensation over the winter months. Add a fuel stabilizer by following the instructions on the product. Change the fuel filter(s) and water separator(s).

Bilges – Make sure the bilges are clean and dry. Use soap, hot water and a stiff brush to clean up any oil spills. Once the bilges are clean, spray with a moisture displacing lubricant and add a little antifreeze to prevent any water from freezing.

Fresh Water System – Completely drain the fresh water tank and hot water heater. Isolate the hot water heater by disconnecting the in and out lines and connect them together. Pump a non-toxic antifreeze into the system and turn on all the facets including the shower and any wash-down areas until you see the antifreeze coming out. Also put non-toxic antifreeze in the water heater.

Head – Pump out the holding tank at an approved facility. While pumping, add fresh water to the bowl and flush several times. Use Vanish crystals or whatever your owner's manual recommends that will not harm your system and let sit for a few minutes. Again add fresh water and pump out again. Add antifreeze and pump through hoses, holding tank, y-valve, macerator and discharge hose. Again, check your owner's manual to make sure that an alcohol-based antifreeze won't damage your system.

Interior – Once you have taken care of the system you should remove any valuables, electronics, lines, PFD, fire extinguishers, flares, fenders, etc. Over the winter these items can be cleaned, checked and replaced as necessary. Open all drawers and lockers and clean thoroughly. Turn cushions up on edge so that air is able to circulate around them or, better yet, bring them home to a climate controlled area. Open and clean the refrigerator and freezer. To keep your boat dry and mildew-free you might want to install a dehumidifier or use some of the commercially available odor and moisture absorber products such as "No Damp," "Damp Away" or "Sportsman's Mate."

Out of Water Storage – Pressure wash hull, clean barnacles off props and shafts, rudders, struts and trim tabs. Clean all thru-hulls and strainers. Open seacocks to allow any water to drain. Check the hull for blisters and if you find any that should be attended to you might want to open them to drain over the winter. While you're at it, why not give the hull a good wax job? It is probably best to take the batteries out of the boat and take them home and either put them on a trickle charger or charge them every 30-60 days.

In Water Storage – Close all seacocks and check rudder shafts and stuffing boxes for leaks, tighten or repack as necessary. Check your battery to make sure it is fully charged, clean terminals, add water if necessary and make sure your charging system is working. Check bilge pumps to ensure they are working and that float switches properly activate the pumps and that they are not hindered by debris. Make sure either to check your boat periodically or have the marina check it and report to you. If in an area where the water you are docked or moored in actually freezes, you should have a de-icing device or bubbling system around your boat.

"Fremont Insurance works closely with our agents and their customers to help them understand and reduce the risk of losses whenever possible," said Kurt Dettmer, Vice President and Chief Marketing Officer for Fremont Insurance.  "By taking the time to complete these few simple tasks, boat owners can avoid costly damage and be confident that their boat will be safe during the winter and ready to go again next spring."

About Fremont Insurance
Fremont Insurance is an affiliate of the Auto Club Group, servicing the Independent Agents of Michigan. The company has been a Pure Michigan company since 1876. Dynamic Products, Exceptional Service, and Competitive Pricing have made Fremont Insurance one of the fastest growing and most respected companies operating in Michigan.  For more information about Fremont Insurance you can visit the company online at www.fmic.com, find them on facebook at www.facebook.com/FremontInsuranceCo, or follow them on twitter at www.twitter.com/FremontIns.

SOURCE Fremont Insurance