Re: Apparently I'm not meant to have a boat...
Sorry to hear that Jim.
Don't panic and just walk away for a few day to recompose. Get a couple second opinions and asses the damages. I am sure there are lot that your can DIY with some help. You are not that far from me so I can help too, just let me know.
I am old school. Integrity is to do the right thing even when no one is watching.