Re: My Boat was Hit Bad
What a terrible shame. I'm sorry you've had to endure this after such a recent jump into the liveaboard world. But, don't let it discourage you. Homes get hit by tornadoes, trees get knocked onto roofs, plumbing causes floods, etc, etc. Boats are not exempt from their own variety of mishaps.
If you really want your boat put back the way you had it, you could consider suing the stinkpotter. Just because the insurance payment is capped, doesn't necessarily mean that the offender is off the hook for liability. Talk to them or talk to an attorney. Tell them you want a complete repair or the funds to purchase the same boat in the same condition, regardless of the insurance proceeds.
This is a liability matter, not storm damage.
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In the harsh marine environment, something is always in need of repair. Margaritas fix everything.