Spring is an exciting time for boaters as they prepare to launch for the season. But discovering signs of vermin when opening your boat after winter storage can be an unwelcome surprise. Mice, rats, raccoons, and other pests can cause significant damage by chewing wires, nesting in insulation, and contaminating your boat’s interior.

If you uncover signs of vermin, don’t panic. Here’s what to do to address the problem, clean up safely, and review your insurance coverage in case repairs are needed.

Step 1: Inspect Your Boat for Signs of Vermin

Before powering up any systems, check for:

• Droppings or urine stains – Look around cushions, storage compartments, and engine spaces.
• Chewed wires or hoses – Electrical wiring, fuel lines, and rubber components are common targets.
• Nesting materials – Shredded paper, insulation, or fabric in hidden areas.
• Gnawed wood or plastic – Vermin may chew through structural components or seat cushions.

If you suspect an infestation, avoid starting the engine or electrical systems until the damage is properly assessed to prevent potential fire hazards.

Step 2: Remove the Pests and Clean Up Safely

If you confirm that vermin are still on board:

• Set traps or call a professional pest removal service.
• Avoid using poison, as animals may die in hard-to-reach areas, creating unpleasant odors.

Safe Cleaning Precautions

Vermin droppings and urine can carry harmful bacteria and viruses. Follow these safety steps:

• Wear gloves, a mask, and protective clothing.
• Do not sweep or vacuum droppings, as this can spread airborne particles.
• Use a disinfectant spray to dampen droppings before cleaning them up with paper towels.
• Dispose of contaminated materials in sealed bags.
• Ventilate the boat by opening hatches and running fans.

If wiring or fuel lines are damaged, have a qualified marine technician inspect and repair them before use.

Step 3: Assess the Damage and Review Your Insurance Policy

Vermin damage can be extensive, affecting electrical systems, upholstery, and even structural components. Many marine insurance policies include coverage for vermin damage, so it’s important to review your policy and confirm what’s covered.

If you find significant damage, check your insurance policy or contact Gallagher Skippers’ Plan for a policy review to determine your coverage.

Step 4: Report a Claim If Coverage Exists

If your policy includes vermin damage protection, contact your insurance provider immediately to report a claim. Be prepared to provide:

• Photos of the damage.
• A list of affected systems or components.
• An estimate for repairs from a marine technician.

Is Your Boat Protected? Let’s Review Your Policy.

Vermin damage can be costly, and many boaters don’t realize the extent of the damage until they prepare for launch. To ensure you have the right protection, contact Gallagher Skippers’ Plan for a policy review or to request a quote with this important coverage. To get a quote, visit www.skippersplan.com/quote.

Call us at 1.800.661.7211 today—because the only guests you should be welcoming aboard are your friends and family, not unwanted critters!