What do a rogue shortboarder, some rusty rebar, a clumsy friend, and a sister-in-law have in common? They’ve all left dings on my surfboards—and not one of them came with an insurance payout. So today, we’re asking the question: why the hell isn’t surf insurance a thing? In this episode, we dig into the unspoken etiquette around paying for repairs. From the Reddit poll that no one believed, to the three camps of surfers when it comes to blame, payment, and karma—we’re breaking down the (unofficial) rules of the surf. Should you pay if you caused the ding? What if it was just an accident? What if they’re being a total jerk about it? And how much is too much to expect from your fellow surfers? Let’s get into it. Because those fin boxes don’t fix themselves.

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