We are a commune of inquiring, skeptical, politically centrist, capitalist, anglophile, traditionalist New England Yankee humans, humanoids, and animals with many interests beyond and above politics. Each of us has had a high-school education (or GED), but all had ADD so didn't pay attention very well, especially the dogs. Each one of us does "try my best to be just like I am," and none of us enjoys working for others, including for Maggie, from whom we receive neither a nickel nor a dime. Freedom from nags, cranks, government, do-gooders, control-freaks and idiots is all that we ask for.
You have GOT to be out of the hurricane box BEFORE hurricane season. If you are hit by a hurricane, then your insurance company will not pay out. Period.
It is amateurish in the extreme or just plain stupid to ignore those rules. Anyone on a boat of any value knows this rule. Get the best insurance you can, and live by the rules.