Re: Repair of broken hull around keel stub/ Insurance claim
If the insurance company totals the boat and pays you for it, they then own the boat. Of course they will cancel the policy! Insurance companies do not have lists of people who have had claims, that they share with other insurance companies in order to prevent them from buying future insurance. That simply doesn't happen.
If you bought a used boat from a private party it is (in most states) "as is". If you had a survey it was for your own information and was as detailed as you asked for and paid for. You are not going to get any damages from anybody. You bought insurance for a reason, use it.