HELP!!! Boat Down!!!
I''ve lost 2 boats to hurricanes so I can feel for your emotional loss. Its been my experience that, no matter what, unfortuntately, you will be out money, time, and effort. I have to question the thinking behind keeping your boat in the water in an area that ices over. You should CAREFULLY read your policy; it may or may not converage environment damage, sinking due to a blown thru-hull etc. No question in my mind that the boat will be a total loss, sorry.