the good news is, you have insurance and i've heard boatus is the best one to deal with. the only experience i've had is a key largo that sank at the dock due to getting caught under the stringers at low tide, then when tide came in, flooded over the transom. we were able to drag it to the hill and pump the water out. once re-floated, put it on the trailer and got it home. boatus declared it total loss, paid the owner and sold him back the salvaged hull.
not sure of how much value u insured, but hull is probably ok.
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