I have to agree...the boat is a write off.
Very sad, especially after you put so much work into her. This must be heart wrenching for you. There is no epoxy
made that will mend the soul of a skipper
who has lost
I suggest you keep your hand hidden to start. Do not discuss or disclose your insurance situation...as others have said, everyone there will be looking for "deep pockets" to payout. Act as if you have no insurance, but do not say it.
Gather information. Perhaps the marina will take charge and make everything right? But I would not count on it. I expect everyone will say "act of god, not my fault". Apparently god is uninsured. Get names and phone
numbers for everyone involved...the other boat owners, marina employees, any surveyors involved (yours or otherwise). This info is easy to get now, as everyone pours over the site, and will be valuable later.
Start a log. Write down every communication you have complete with name, date, time, phone
number, and exactly what was discussed. I have found the phrase "I am writing this down, could you please repeat that" bears much weight. As the process proceeds, the log will be a great help in avoiding confusion.
If you can, get as many pictures as possible...close ups, distance, all parts
of every boat involved. I have found that pictures often resolve questions that may come up much later. With digital photography
, there is no reason not to take tons of pictures. Take at least 100 pictures from every angle imaginable. Take closeups of everything, the other boats, the area, the front gate, etc. The marina will be wanting to stand the boats up soon, so don't delay, get someone to take a ton of pictures. Once you have the pictures, back them up (OneDrive online is very good). Take a few significant images
them to yourself, and friends of good repute, to establish a timeline. This protects you later, if someone questions your pictures. Remember, once the boats are moved, its anyone word as to what happened. Photo documentation
is hard to refute.
Most likely, at some point you will be offered a very disappointing "market value" for your boat. Whoever makes this offer will be eager for you to accept. I know this is already jumping ahead, but you can negotiate this number. In addition to all the work you had in the boat (and your pictures which show it), you can always try asking for a little more. Also, you may be able to strip the boat before giving up possession. I'm sure you have thousands in equipment
which could be removed. That could soften the financial blow, and ease the outfitting of a new boat, especially if you get a similar boat. And finally, be certain of who is responsible for the "remains". Disposing of the hull could be quite costly, and you don't want that to fall onto you.
Avoid court. Its easy to say "I'll sue", or "the law says you must", but in reality court is slow, expensive, and rarely produces a satisfactory result. Lawyer fees
could easily exceed the value of you boat. I've been to court, and even if you win, you lose.
I hope you will report back to us on what happens. And good luck.