Here is a letter from my insurer Progressive. Pretty good advice and they're not trying to dodge coverage:
BRIANW,
We're here to help if you need to report damage to your boat resulting from the oil spill in the Gulf of Mexico -- just call 1-800-876-5581.
The extent to which the oil spill might damage boats is not completely known at this time. If possible, we encourage you to take your boat out of the water if that will prevent damage from the spill. You'll get peace of mind knowing your boat's safe, and you'll avoid any deductible costs of a claim.
If you decide to keep your boat on the water:
Speak to your marina about its preparation plans to protect the waters inside its boundaries.
[FONT=Arial, Helvetica, sans-serif]Get regular updates regarding water conditions in your area and follow all government recommendations regarding your boat.[/FONT]
[FONT=Arial, Helvetica, sans-serif]Keep your boat behind your marina's oil containment booms.[/FONT]
[FONT=Arial, Helvetica, sans-serif]Stay safe and, if you have questions, call us at 1-800-876-5581. [/FONT]
[FONT=Arial, Helvetica, sans-serif]Sincerely, [/FONT]
[FONT=Arial, Helvetica, sans-serif]Rick Stern[/FONT]
[FONT=Arial, Helvetica, sans-serif]Progressive Boat Insurance Manager[/FONT]