something is not right,
if the toe rail damage is cosmetic...how can the labor be $13K to repair or replace aluminum? The adjuster is seeing something that the "pros" are not. Insurance companies are not in the business of writing checks, so I suspect there is more damage than the cosmetics you assume.
In my experience, whether boats/cars/motorcycles, it nigh impossible to get decent coverage on a "CTL" boat once repaired. They are ONLY going to pay ONCE for that boat, end of story. And they just did.
Unless you are going to do the repairs yourself, and have the tools/place/skills...I would take the check and move along to another boat.