FNG here but all I can add is..
As a former insurance adjuster a couple of things..
In the insurance gig EVERYTHING (and I mean that) is negotiable and the squeaky wheel gets the grease which is to say if you yell loud enough (be nice) you will be heard. I would spend the extra $$$ to have a public adjuster look at your problem, a marine expert even better. Insurance is to make you whole again, what is insured is stupidity and just plain ole dumb luck. As far as where to live while your boat is on the hard, check your policy for anything that looks like "Loss of use" and you could be camping at the 'Casa de Best Western'. Hope this helps and I LOVE this place!
All the above supposes that you are in the Good 'ole USA btw...