I would keep looking elsewhere. But......I think there is another issue here, pretty important....I would ask the insurance
company of note about the strike, and....if so....aside from the fact that they are trying to sell you the boat while knowing that there are serious undisclosed problems (the lightning strike with attendant problems ), and they have already been paid off, there is another issue. That being they will eventually sell it to some unsuspecting person, possibly with lives at stake. Personally, because ( if ) they are indeed taking this underhanded manner to try to sell, I would ask that the insurance company talk to the broker again.