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stavaros, I would suggest taking your insurance policy to a lawyer and paying to get an opinion on it, versus the insurance laws in your state. (Or homeland, wheverer the policy was written and laws bind it.)
If you have a US policy, the laws probably allow them to value the boat by one of several fixed methods, and your only alternative is among those methods, or to prove they have misued them.
When you say 'fair value' the usual phrase in the US would be "fair market value" but since a prototype is one of a kind, there is no "market" or "fair market" value for it. The wording of the policy, and the laws it must be enforced under, are going to be critical. More so than the opinion of another surveyor.