lol that would be great if you could do that! Although I'm guessing they probably don't have much cash on hand to pay your carrier back

Marine claims can affect your eligibility and your rate anywhere from 3 to 5 years from the date of loss. Most carriers "look" at the 5 year history BUT only remove the loss free credit if there is a loss within the last 3 years. One of my carriers only charges back 12 months.... Each carrier has their specific guidelines and stipulations.