They want to replace the whole toe rail on both sides for a 3ft bent section? No way I would do that. Take the $30k, get a savvy shipwright to give you a hand and repair it. We sectioned ours and repainted it black and it looks better than new (what with all the snatch block scratches and the like).
The ins. company cancelled us and we rang up BoatUSA and had a conversation which resulted a cheaper premium with more coverage and a lot more confidence in them than the Insurance company that used to be associated with a major department store chain. Guess I would call BoatUSA and solicit their opinion on this situation. They claim to give unbiased advice.
Remember it's our premiums (yours and mine) that is paying for this nonsense.
Niagara on the Lake Sailing Cub
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