Not sure how the insurance thing will turn out, when we had a heavy snow and the local docks collapsed the marina insurance only covered the docks and your boat insurance is the only thing covering the boats (read the fine print in the dock agreement). I believe some of the marina's helped with the deductable out of good faith. Look at your policy very close to see if act of nature is covered, sometimes they don't carry a deductable on this type of claim. My stepdad is my ins. agent, there are so many fine details in a policy it will make you sick!!! Just trying to help Rob.