Re: Experience with TowBoat US
I'm a towing captain for Boat US in So. Cal. and while soft ungroundings are rare, sandy beach means surf otherwise rocks, the rule of thumb is; if I have to patch holes, use a pump to dewater the boat, use special equipment i.e. jacks or ramps to move the boat or need additional personal i.e. divers, than its a salvage. If I can throw you a tow line from my boat and pull you off it's a covered service. There is of course exception, if I think that pulling you off the rocks will cause additional damage, I will strongly recommend that we get the additional equipment and do it right.
I recommend you get at least the "Unlimited" card, it's good for $2500 of towing coverage and only cost $149/year. For non members I charge $235/hr from the time I leave my dock to the time I dock my boat.