Re: haul out or hurricane hole?
All insurance companies, who's profitability is based on actuarial statistics, prefer you haul out.
However, they are playing the big picture odds. As you point out, where you haulout, how close its level is to surge, how protected the lot is from wind and other boats falling over and how well you block your own, will all affect your specific odds.
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In the harsh marine environment, something is always in need of repair. Margaritas fix everything.