We're both in Maryland, and I checked with our dockmaster here on Back Creek/Annapolis, and he says adding the additional dock and bulkhead ladders was a code requirement to make our marina up to legal code. He no longer had that info as to which govenment agancy mandated the code. Perhaps you might inquire of your town/county officials? Don't ask the marina, though.It was early November and the water was not too cold yet. I never thought I was in danger until I later reflected on how I would get out if no ladder was available. If I had been in cold water good chance I do not get out alone. IN THE MARINA! What an embarrasing epitaph