It seems the OP is pretty much S.O.L from reading s.v michaela's comment. ).
And to trust what lawyers say is adding in more problems than what you already experienced.
Here in SOCAL waters we are not generally constrained by bridges and power
lines, except for Huntington Harbor, and most sailing vessels drop their masts as standard procedure when crossing under the bridge and any power lines. They definitely do not anchor
Main thing is that neither you , or anyone else on board were electrocuted .
That could have been very , very tragic , even if still alive .
You all look young and healthy and fit, and you can continue on with an amazing life of good times on the water
and maybe cruise
Actually, we lived in Huntington Harbor, Ca. but sailed out of Newport Beach
, with no main channel obstructions.
I Sailed once with a friend , who also lived in HH, owned his own S/V/ that was slipped a his dock
at his waterfront home. I went with him once, we brought the mast
down and raised it on the tabernackle fitting going out and back in under the bridge.
One time for me was enough, in a very busy area, plus the Naval Weapons Station where the war ships loaded missiles on board. Never sailed in or out of that situation again, well except for motor
vessels that had mucho clearance.
Fix er up, and head
back out......a whole world of new areas, and good times await.