What if you lost someone at sea? You woke up at midnight, to relieve them of their watch, and you couldn’t find them on the boat. Anywhere. It’s not as if they popped off to the corner store to buy milk. Or you forgot that today was the day they were flying to Spain. You are in the middle of the Pacific. It’s a 35 foot boat. There is a set number of square feet both above and below decks. You’ve combed every single inch of each one of those square feet. And the person is simply not on the boat. Where could they be other than floating somewhere in that endless sea?
THIS DIDN’T HAPPEN TO ME OR ANYONE I KNOW. BUT ON THE HUNDREDS OF NIGHTS I SPENT AT SEA, ALONE WITH MY THOUGHTS, WATCHING THE DARK WATER, SOMETIMES I IMAGINED IT HAD. AND I THOUGHT THROUGH, AGAIN AND AGAIN, THE MYRIAD VARIATIONS OF WHAT IT WOULD LOOK LIKE AND WHAT COULD POSSIBLY BE DONE.
……….
Tucker shook me awake. Snapping out of a deep dream in that way that feels physically painful, I opened my eyes to the red light of his headlamp in my face. I was a little confused and felt instantly guilty. I must be late for my watch, I must have slept through my alarm. Usually Tucker does not have to come down and wake me to relieve him from duty. I pushed the light on my wristwatch and saw that it was only midnight, and I was confused again. I wasn’t on until 3.
“Paul’s not on the boat, I checked everywhere.” Tucker’s steady voice was steadier than usual, a sure sign that he was keeping a surge of emotion at bay. As his words sank in, it dawned on me that what he was holding back was fear. My mind wasn’t ready to take in both what he was saying and the effect that what he was saying was having on him: both things were too far outside of my understanding of normal. I just blinked at him.
“I woke to take over for him, and he’s nowhere. Nowhere. I’ve stopped the boat.”
I still just stared. I understood what Tucker was saying, I did. He was saying that Paul, the boat’s captain, must have fallen off the boat. And that meant that he must be somewhere out there, floating in the sea, any number of feet or miles away from us. I understood. But I couldn’t believe it. Not that Tucker would jump to false conclusions, he would never get ahead of himself. He has a very practical mind, methodical, not prone to emotional interference. But still. Paul overboard? No way. That wasn’t an option. I pulled back the blankets, pulled on my pants, and reached for my headlamp. As I followed Tucker out of the V-berth, I saw all the lights were on throughout the boat, and looking up the companionway, the deck lights were ablaze as well. It finally gave me a look at Tucker’s face, hitherto drowned by the red light on his forehead. He looked stern, his face tight.
“I’m just going to look around,” I said. An annoyed flicker passed over his face, but I ignored it and went in to Paul’s cabin. It wasn’t that I imagined that Tucker could miss a full-grown man in a 35 foot boat. It’s just that… you can’t accept the reality of a dire situation unless you see it for yourself. You have to look around, check Paul’s bunk, check the rear head floor, maybe he fell and knocked himself out. Because you know that any possible scenario, almost any injury, would be better than the one in which you accepted that Paul was no longer on the boat.
Within less than a minute, it was obvious he wasn’t anywhere below decks. I joined Tucker on deck. He was at the helm, VHF in hand, sending out a Mayday call. We sat idling in the water. Unless Paul had done it during his watch, Tucker had dropped all the sails and turned the motor on. I glanced at the wind instrument, and it was still a consistent fifteen knots at a beam reach; and with the boat lying ahull, we had come beam to the wind. Really good sailing conditions, so it must have been Tucker who dropped the sails. Tucker ignored me as I started walking around the boat, looking at every little space. Which meant he had already done it. But I thought, could Paul be curled up somewhere weird? Did he fall asleep on the stern, wrapped around the lines for the wind vane? “Put on your leash,” Tucker snapped. Conditions were pretty calm, but I understood his tension and did as I was told, donning both life jacket and leash.
Paul was not on the boat. He was not below decks, he was not up the mast, he was not hiding under any unlikely piles of wood, he was not in the engine room, fiddling with the oil leak. He was gone. Unequivacably missing. But I kind of just stood there, looking out at the dark night. With all the deck lights blazing, the boat seemed a little island within a sea of blackness, and looking out at all that dark, it slowly started to sink in that Paul was a tiny coconut bobbing somewhere out there. He could be miles away… and finally, Tucker’s unexpressed fear leaped full force into my brain. I froze.
Tucker snapped me of it. “Every minute puts us further away from him.”
“Have you called out his name? What if he’s, like, right over there?”
“No… I didn’t think of it.” His voice faltered for the first time. We started shouting Paul’s name, out into the water. We’d stop, hold our breath, wait to hear something back. Nothing. I ran down for the handheld flood light, we kept calling his name, scanning the water. Again and again. Still nothing. I realized it was a stupid idea. If Paul was that close and conscious, he’d have been calling out to us.
“We have to turn around,” I said.
Tucker turned to me with his serious face. “It’s really important that you hold it together, Della.” I guess I was crying, I hadn’t noticed. “We need to stay calm. We’ll find him. But we have to be smart.”
First, we turned the boat around and lined ourselves up with the course we had just come. We put the engine at very low RPM. We marked MOB on the GPS, just because… why not. We threw the EPIRB and watched it blink quietly. The EPIRB is not ideal for a man overboard, it can take days for anyone to get to you. But reason, as important as it is, falls aside a little in the way of blind hope. The situation was too enormous, anything that widened the search we were about to start couldn’t hurt.
I need to just step to the side here and say a few things about MOB. Because maybe not everyone understands the severity of the situation we found ourselves in. If you ever venture even a quarter mile from shore on a boat, you enter a danger zone for falling overboard. And once out at sea, even the illusion of safety fades away. Staying on the boat is the only way to survive in the ocean. The sea can look flat, can seem calm, but as soon as a person leaves the safety of the ship and enters that watery realm, they are suddenly at the mercy of a many-faced, ever-changing beast. And after some number of days floating in that water, they will succumb to the exposure of the elements. Their only salvation, their only hope for survival, is the boat they just fell off of. Or, if they are extremely, improbably lucky, some other vessel that happens to find them.
But the probability of a boat finding a person in the water diminishes dramatically with distance and time. Even in situations in which it is daylight, the sea state is relatively calm, and someone sees someone else go over and never loses sight of them, even these situations are scary. We’ve done enough MOB practices to know that plucking anything from the sea is tricky. Finding a soccer ball amidst an endless, continually moving watery field is hard. And becomes harder and harder the further away you move. If you are doing the sailing thing right, the ship is moving. Add any swell. You easily lose that floating soccer ball in the trough of a wave, even a 2-foot wave from only 50 feet away. Add dimming light conditions. It becomes very hard to distinguish a bobbing head from a glint on the water. Hell, that’s hard in the middle of the day.
And yet, any sailor who has spent time off-shore obsesses over these sorts of scenarios. Do you hit the MOB button on the GPS or start throwing cushions over board first? Do you scream for someone else to get on deck so you can start turning the boat around and keep an eye on the MOB? If they don’t hear you, do you go down and get them? Do you begin dropping sails? Do you heave-to and fall back on them? What’s the wind doing? Etc. Ideally, you assess the situation with great speed and do all of the appropriate actions as quickly as possible. And so as to be able to, you find yourself rehearsing over and over in your mind, trying to memorize a course of action depending on different scenarios in case you watch someone go over, try to minimize your reaction time. And all that assumes you see the person go over in the first place. Because if you do not see them go over, you don’t even know you need to react.
We did not see Paul go over. It was the middle of the night. Worst case scenario, he could have fallen in as soon as he relieved me from watch, 3 hours ago. Our cruising speed averages at 5 knots, meaning he could be as much as fifteen nautical miles behind us, or more. And with even the most minute current or the push of the waves, he would no longer be on our rhum line, no longer directly where he fell in. We could not turn the ship around and simply follow our course back to him. He was somewhere out there in that pitch black, hopefully conscious, hopefully wearing his life vest, definitely going over all the things he must have done wrong in life to deserve this entirely demented fate.
Because in all the time spent obsessing over MOB scenarios while at sea, you don’t tend to dwell upon what it would be like to be an MOB. Why bother, it’s too horrifying. I’ve swum in the middle of a glassy ocean, broad daylight, right next to a fully stopped boat, and even that is something your small mind has difficulty coming to terms with. You look down at an uninterrupted 4000 meters of the most perfect blue and any and all sorts of monsters begin to swim just out of sight under you. Turn that blue into black and those monsters swim closer and closer. Nighttime ocean is frightening from shore. Nighttime ocean looking down at 4000 meters could make you go mad. And so I do not consider what I would do were I to surface, sputtering in the expanse of the ocean while my island of safety kept on moving without me. I only assume that I would be brave enough to wait until I could no longer see the boat, take a few breaths of acceptance, then dive as deep down as I could and swim until I had no more air. Freediving has taught me that would be a pretty nice way to go no matter the conditions. And in this case, the alternative is to just sit there with images of all the monsters swimming around you in the dark water, waiting to watch a blue shark start its ten minute circling or just to suddenly feel the tug of a missing leg. There have been stories of people being found in the most unlikely circumstances, but the chances are simply too slim to face the torture of waiting for salvation. Or at least that has always been my thought process.
But now, sitting on the other side of that situation, I hoped as hard as I could that Paul was more of a fighter than I imagine I would be. I hoped he had stories ringing loudly in his head of how people have been plucked from the sea by other passing vessels. Or of how one woman lost her husband overboard at night, turned around, made some calculations, and 4 days later found him floating in the sea, cold, but very much alive. If Paul could hold onto those stories, maybe there was a chance.
Though it would be a chance heavily bolstered by fate. We did not have very much technology working in our favor. We had been crew on other boats that had personal AIS (GPS) beacons on each life vest. The SSB (VHF) could read the signal once the wearer pulled a string and activated the beacon. A light flashed. And supposedly the beacon set off a MOB alarm, instantly marking on the chart plotter a MOB coordinate. Assuming you did not get too far away, you could use the chart to bring you directly back to the MOB, regardless of how much they were being pulled around in the water.
Paul, like many experienced and salty sailors, did not have such gear. His MOB pole had a beacon, but it was still sitting on the railing, unemployed. He was alone in the dark. Maybe he had a life vest, maybe not. We tend to wear them when conditions are bad. And when they are not, we don’t, sticking to the rule that because you are on deck alone and not wearing a PFD, you do not leave the cockpit. Conditions had not been bad. We did not know what had happened or if Paul had on his PFD. Perhaps he had tried to change the sails. Or maybe he unintentionally jibed and the boom caught him. We had a captain whose favorite thing to say was that most men found in the sea are found with their flies down. Apparently its a common refrain amongst sailors.
There is an ever-widening radius in which a man overboard can be, depending on how long ago he fell overboard and how strong and in what direction the currents are. In order to imagine where he may be, you must figure out the furthest point of that radius. With all the time that had passed, we thought, that area must be huge by now. Again, faced with the never-ending blackness just outside the circle of boat light, we could not help but feel the hopelessness creeping in and a keen awareness of our own helplessness. But, as we had to, we pushed it aside and started gathering the information we needed to draw out that radius. During other long trips as crew on other ships, we had calculated current speed, teaching a young boy on the boat how to do so. Tucker ran down for some crackers, and we threw them overboard, checking their progress against the wind, trying to get a sense for what the current was doing. A man will not be pulled by current in the same way as crackers, obviously. But we knew we had to factor in the current , had to have some information that allowed us to alter our course in a way that would bring us closer to Paul rather than farther.
Luckily Tucker has a physics background. With the motor on low RPM and the boat pointed in something like the right direction, we sat down and drew the area out that Paul might be in. We looked at our heading vs. our bearing, and the SOG (speed over ground) vs our speed through the water. We tried to also factor in the leeway from sailing. The possible area we came up with looked like a wedge, a slice of a circle. There was a chance he had just fallen overboard, but it didn’t really matter if he was a quarter mile away or 20 miles away, we had to get the math right, had to keep the boat in the area he was most likely to be in. Because, again, you need to be really close to someone to find them. Once we had mapped out that wedge, we drew its two boundary lines as courses on the GPS, and we began a slow zig zag across the space, Tucker on the helm, me with the hand held spotlight, scanning the water, all the while both calling out his name.
Once we had the boat pointed in the right direction, we started to think again about trying to get in touch with help. Tuck had tried when I was looking for Paul on the boat, but we had let it sit while we worked out our course. Being the closest to Paul, we were the first line of defense. But if there was any way to send out notice to other boats in the area and gain search allies, it could only help. Even if assistance was days away, people can last that long in the water.
I got back on the hand held VHF. Between shouts of his name and countless false alarms when a glint on the water looked too much like a small head, I would put out a general call to ships, anyone in the area, we have a MOB. These are our coordinates, repeat, there is a man in the water. Sometimes I would elaborate on the area in which he might be, sometimes just repeat, MOB and our coordinates. I didn’t expect to hear anyone right away. We hadn’t seen lights from another ship all night. The VHF did not have a very far range. There was also an SSB on board, but we hadn’t set it up, and at first, it seemed like trying to get it working would just detract from our search.
Over the next few hours, Tucker and I switched off roles, one steering and trying to rest eyes tired from focused staring at a dark, moving sea, one staring out at that sea. I found that I was calling out his name less and less frequently. That illusion of control, the feeling that there are so many things you can do and if you do them all, you will find your person, was beginning to fade. We were checking all the boxes and still, no Paul. But it’s when you notice your hope flagging that you start to feel a little frantic and you kick up the effort. There must be more you can do. And you have to be doing something in order not the feel the frantic sneak in. I imagined that if I could put out a continuous call to Paul, he’d be most likely to hear us, to try to respond if he could. I got the iPhone and recorded myself shouting his name. I looped it. I plugged it into the boat‘s sound system. The first few times my tinny and disembodied voice yelled “Paul”, we both jumped. It wasn’t the most comfortable sound presence and it didn’t sound anything like my voice or like Paul’s name. But we let it run for awhile, out of stubborness. Then Tucker went to work on the SSB while I steered. I held both the VHF and the spotlight. My senses were gullible. I heard his small voice every ten minutes, calling from somewhere in the dark. I turned the boat around towards them, only to find nothing but delay. There were even moments where I was afraid I might run him over in the water, ridiculous as that sounds.
Finally, dark turned to dawn. Tucker was down below, still at work on the SSB, leaving me alone with the growing light. I have seen countless sunrises at sea, have waited hopefully for them, knowing that they signaled the end of my watch and promised sleep. All night I had similarly waited for the dawn. I imagined that light, sweet, illuminating light, would make the search more fruitful. That we would be able to see outside of the small spotlight. But that hour of dawn’s dirty light was teasing, tricky in its haze. And once the sun had fully come over the horizon, the drear light of day reared its head in all of its disillusioning brightness. The sea is so big… textured and unforgiving. Cold and merciless. Once shown in all of its vastness, hope felt paltry against such an expanse. We had heard nothing from another boat. I am not saying that this is uncommon. You can go days, even weeks, on the hugeness of the Pacific and see no one, not a single ship. We were all alone, a forty foot boat driving aimlessly through infinity, searching for an acorn.
Tucker took the helm and I took a nap in the cockpit. When I woke, we switched. The day slipped by with no change. Tucker finally threw in the towel with the SSB. He needed the internet to make it work or to research part of how to make it work (I admit I didn’t really listen past “It won’t work without…”), and that wasn’t about to materialize. We religiously mapped our progress, redrawing again and again the wedge in which Paul might be, reassessing the current. We made sharp, almost 180 degree turns when we reached the edge of our search area, weaving back and forth across the course, though occasionally giving in to that promise of “just over there, he might be right over there” and motoring past our own drawn line. It was a day empty of event, full of inner turmoil, misguided by tricks of the eye, and edged with fear of the coming night. No matter how bleak the daylight might be, the night is the time for monsters. It’s a day that never ends in my memory, drags on and on into its sadistic night. We were mostly quiet, the blare of the repeating call of Paul’s name the only voice around.
As evening approached, Tucker brought up one thing that we had both been thinking but had warded off in our minds: fuel. If you are “lucky” when a man goes overboard, the path towards recovering him might see favorable winds for sailing. Our wind was coming from the north. It had been a beam reach as we sailed towards Niue. But now, having turned around and making way in a back and forth along a line almost perpendicular to our path, the wind alternated between almost on our nose and almost on our tail. Wishing to focus as fully as possible on searching the waters, we had decided to use the engine and lower the sails. Now, as the first full day of motoring was coming to a close and our hope began to be stretched thin in proportion to the amount time it might take to find Paul, we started to consider sailing again. Our wedge would widen as we pressed east anyway, and tacks and jibes would be less frequent. We decided that come morning, assuming the wind did not shift to a northeasterly, we would begin to sail again and conserve fuel. I think we both secretly welcomed the slight distraction of sail handling.
We kept suggesting naps to one another, but after that first nap, neither one of us felt like sleep. Though tired, though progressively disillusioned, sleep seemed impossible. Sometimes I would imagine Paul floating in the dark water, tired, unable to sleep for entirely different reasons. I thought of his children, grown, but still very attached to a father they call a crazy adventurer. I thought of his recently ex-wife, the one he was still in love with. Of his various unfinished projects and his astounding energy. He was a 60 year old man with the perpetual soul of a man in his early 20s. And a very experienced sailor. And a severe optimist. What could he be thinking out there in the water, now a full day lost? Was it fear? Was it his undying optimism? Was he also getting used to this state of things, the same way that we on the boat were less likely to jump and twitch? Was he resigned? Can you be resigned floating out in the empty ocean without simply beginning to sink? Was he even still out there in one piece? And if we didn’t find him, how could we deal with that failure…?
At the close of day two, the sails had been raised and lowered more than once, the wind a bit shifty. But we welcomed the work. There was still complete radio silence. I was beginning to think that some dark, Greek curse had been sent to us by the gods to find us in the middle of the Pacific and silence all human sound. It seemed unlucky, improbable, unkind of the universe to leave us all alone in our search, to leave Paul un-helped, un-thought of except by Tucker and me. He needed more support, more hopeful thoughts swirling through the water. He needed more eyes and ears and machinery. We simply weren’t enough. Unsurprisingly, the VHF had nothing but silence, not a crackle, not a tease. We three, two on a winding ship and one somewhere out in the water, were all alone.
Another night, a few false alarms, a few turning back to investigate a shape or a noise. Using our voices again to call his name, having abandoned the horrible and useless recording with the excuse that we didn’t want to waste boat batteries now that we were sailing. But two days of the same incessant activity, an activity too loaded with dips and peaks of hope and despair, two days of torturing imagination and self questioning (were we actually in the right area, did we already pass him, is he even still alive?), we began to wonder, when do you give up? The thought was horrifying. How can you admit defeat when it means leaving a man to die? It resolves you all over, not to give up, not to stop until all science tells you, all stories confirm, that NO ONE has ever lived in the water that long. And then push just a bit beyond that. We were not at that point yet. We had plenty of food, plenty of fresh water, we could sail for a very long time. And someone was bound to come help us. Even just statistically, we had to run into someone at some point.
And then at 3am on that third morning, after Paul had been in the water for 2 full days, we saw a light on our port side. Tucker jumped on the VHF and began trying to hail the ship on Channel 16. Depending on how large it was, it was somewhere between three and twelve miles away. He called mayday, described our coordinates and theirs, waited 30 seconds, tried again. Our course was taking us closer to them and after about fifteen minutes, it didn’t seem as if theirs was taking them away from us. That was good. Ideally we didn’t want to get away from our course. As they got closer, we knew it was a large commercial vessel.
Eventually, a voice came on. We dropped our RPM. The accent was unmistakably Chinese. We had run into many industrial Chinese fishing boats in the Pacific. My heart resisted sinking a little. A fishing boat usually has an agenda and a quota and an owner, making deviations from a planned trip difficult. There was some shuffling on the other end, and a man with very limited English hailed us back. We tried to explain the situation to him, asked if, maybe, they had picked someone up out of the water…? But his English was not good, and we didn’t speak any of the Chinese languages. We tried for awhile, gave them our coordinates, told them the range in which our MOB might be, described Paul. We were pretty sure that “MOB” got across… but when we signed off, despite hearing the word “yes” over and over, we weren’t at all confident that we had gained a search ally.
We watched anxiously as the fishing boat seemed to sit still. We slowly set ourselves back on course, eyes shifting between the commercial vessel and the surrounding water. They didn’t move for half hour at least, and then they started slowly moving back in the direction they had been going. It wasn’t exactly away from where Paul might be, but it also wasn’t exactly toward us. I didn’t know what to think. But in my hope-bone, maybe just because I had no other option, I thought that perhaps they just did their own math as to where Paul might be, and it happened to take them where they were already going. They definitely weren’t moving fast….
There are some laws at sea. It is very difficult to enforce them and each country is responsible for punishing their own maritime offenders. As far as our situation was concerned (and I didn’t know this at the time), the International Convention on Salvage- written in 1989 with the cooperation of dozens of participating countries, states that, “Every master is bound, so far as he can do so without serious danger to his vessel and persons thereon, to render assistance to any person in danger of being lost at sea.” But there is no one out at sea, really, to enforce this. Ocean goers are an odd community. All the different sorts of boats on the ocean, with their various intentions, make for a group in which you can never assume much about what someone else is doing. Add all the different languages… and it’s kind of a wild west of water. So who knew what the Chinese fishing vessel was doing. Either way, we had to keep looking for Paul. I turned my full attention back to the waves.
And then at around 8am, we were hailed directly on Channel 16. When the VHF crackled on, I immediately jumped up and scanned the horizon for ships as Tucker picked up. There was one indeed, off the port again, close enough to see in the daylight. We hadn’t been paying attention to the horizon, it caught us by surprise. “Hailing vessel with an MOB in the water, American vessel Alayda with a MOB in the water. This is Frank Heyman on NOAA vessel Johnson S Johnson, please come in. Over.” NOAA, the National Oceanic and Atmospheric Administration. A big boat. Thank the vindictive gods, they must have realized we’d had enough.
We were soon explaining our situation to the SS Johnson and receiving confirmation that they were indeed there to join the search for Paul. Equipted with long-range communication, the fishing boat had put out a call about our MOB and had made contact with the NOAA vessel, out on a buoy checking run. Luckily a woman who spoke Mandarin was on the Johnson, and the captain of the fishing boat explained our situation as far as he understood it (including a slight miscommunication of our vessel’s name, we are not the Alayda). The Johnson was directed to our coordinates. We also learned that the fishing boat had posted a man on 24-hr watch and were keeping to the waters where Paul might be (we later gave them our coordinate calculations with the help of the SS Johnson). 3 boats and dozens of eyes, all on the look-out for Paul. After confirming with us, the Johnson used their InReach to contact Bora Bora, 300 miles away, and a helicopter was coming. The sun was out and the grey sky was gone. If Paul was still out there to find, if he remained floating and in one piece, we were going to find him. We had to.
So good! I need more. Another chapter coming?
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Periodic funds are made directly to the insured until the home is rebuilt or a specified time interval has elapsed.
Green Card holders, and all employees or subcontractors hired on abroad government contracts.
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Daycare remedies are performed beneath native or general anaesthesia in a clinic, hospital,
or daycare center.
Term life insurance plan or term insurance plan is a sort of life
insurance coverage.
Coverage choices, limits, reductions, deductibles and
different features are subject to individuals assembly our underwriting standards and state availability.
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Society for a Perpetual Assurance Office, founded in London in 1706 by William Talbot
and Sir Thomas Allen.
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other benefits of a life insurance plan.
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Other statistical strategies could also be utilized in assessing the probability of future losses.
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Yes, the 4 wheeler insurance could be transferred from the old proprietor to the brand
new proprietor in case the sale of a second-hand automobile.
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Prices, coverages and privacy insurance policies differ among these insurers,
who may share information about you with us.
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A policy’s premium is its price, sometimes expressed as a monthly
price.
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If you fail to get your automobile insurance plan transferred within 14 days, your car could have no valid insurance safety.
Some investment choices that present tax exemptions are Equity Linked Savings Scheme, Public Provident Fund, Employee Provident Fund, Unit Linked Insurance Plans and so forth.
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We assist state insurance regulators, individually
and collectively, in serving the general public curiosity.
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Windstorm insurance is an insurance covering the harm that may be caused by wind occasions such as hurricanes.
We additionally reference authentic research from other reputable publishers
the place acceptable.
Would you be curious about exchanging hyperlinks?
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This ensures that the info has a excessive
protection in all countries and is reported in a consistent method across the EEA.
Terrorism insurance offers safety towards any loss or damage caused by terrorist activities.
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The policy pays the policy holder for covered accounts receivable
if the debtor defaults on cost.
Sometimes this tax deferral is the only cause people use these merchandise.
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excluded from coverage.
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The coverage normally covers the prices of cleanup
and may include protection for releases from underground
storage tanks.
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The first insurance patent to be granted was including one other example of an application posted was.
The first insurance patent to be granted
was together with one other example of an software
posted was.
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Most homeowners’ insurance, in the meantime, cover only owner-occupied homes
and never legal responsibility or damages related to tenants.
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6 For policies issued by IAIC, protection for these circumstances is subject to a 6-month
wait period.
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Upon termination of a given coverage, the quantity of premium collected minus
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