Your insurance policy may not pay off if
damage or loss was due to negligence. And leaving seacocks open when you leave the boat can be called negligent.It's not only neglected boats that are at risk...open seacocks can sink a brand new boat. A thru-hull is a hole in the bottom of the boat. A seacock keeps that hole closed except when a hole in the boat is needed. When it's open, water will rise in the hose to the boat's waterline. Anything that hose is connected to that's at or below the waterline--for instance, the toilet--is a means of escape for that water--and water never misses an opportunity to seek its own level, whether outside or inside the boat. When it finds a way to seek its own level inside the boat, the more water there is in the boat, the heavier it gets and the higher the waterline gets until the waterline is above the boat. When you're aboard, you tend to notice that your feet are getting wet or the bilge pumps are running more than they should ...but if you're not there to notice, and the water is coming in faster than the bilge pumps can send it out, your boat sinks. The open seacocks that sink boats most often are the head intake, discharge, and any tank overboard discharge. If your bowl is below the waterline, and you rely on the dry/flush valve in the toilet to keep water outside the boat from overflowing the toilet to seek its own level INside the boat, you're playing Russian Roulette with your boat. Dry/Flush valves fail...and people don't always remember to leave 'em in the dry/position. A macerator inline between a tank and a thru-hull will NOT prevent water from rising into any tank that's below the waterline.Even when the head or tank isn't below the waterline, unless there are vented loops in every connection to a below-waterline thru-hull, a siphon can form.Them's the facts...but it's your boat to put at risk or not.