: 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...

There'd probably be a deductable involved and even if they did cover it, they would jack her premiums a bit, to spread the cost over a 3 year period and recover every cent. Then after the 3 years, they would send her a letter claiming she's a safe kayaker and they are going to give her a Good-Kayakers discount, that would take her premium back to where it was before the claim. Is it worth it?? Not likely! Just an opinion, based on two vehicle accidents over the past 20 something years. You don't get anything from an insurance company. They're in business to make money and not give it away.

You're better off letting the sleeping dog .........well, you know.

Rehd