John,

According to my insurance agent, the kayaks require a separate policy, for things like that. If they are on the car, they are covered by auto insurance, if they are in the house then they COULD be covered by homeowners. The insurance company of the lady that ran over it would cover it, but she took off.

Mike

: Be sure to remind her to call her insurance agents (homeowners and auto) and
: inquire about making a claim. The boat may be considered a total loss
: despite your ability to repair it. Anyone out there in insurance land know
: about this kind of claim?

: Just a thought. At the very least, she should be able to count the cost of
: repairs against her deductible and/or get materials paid for, I'd think...