Dealing with insurance company

[w1651]

I live in St Pete Florida and went to my boat tonight. I had to wait all day to see it they wouldn't let me out on to the beach where it is in a slip. Well the good news is she is still afloat.
The bad is she is holed at the deck joint, about a foot long and 3 to 4 inches tall. The rub rails are gone and hanging from the side. The sail is shredded, my dingy is holed or torn along the side, The solar panels mountings are broken and one panel is missing completely. The rear rail is bent and the ladder as well.
Has anyone ever dealt with a insurance company and do I need a lawyer to get it repaired or a decent pay out? If it can be repaired and rails replaced that is. I just have never been through this with a boat but know what kind of snakes they are about cars. I loved my boat even if it wasn't top of the line or full of creature comforts.