Are you sure.....
Are you sure that the boom was not damaged? Wink Wink.It may need to be replaced also. Wink Wink.What about the standing rigging? Insurance companies and adjusters are graded on how fast the dispose of claims. They can be dealt with, you have the ability to negotiate. Letting them know you are willing to drag your feet on signing off on the claim may work. Show a little backbone. Call every day, nicely infer you are willing to work with them, but they must fulfill their contract. Next, Threaten to complain to the state insurance commissioner and file an E & O (all agents carry errors and omissions coverage, it is like malpractice insurance) claim on your agent. After all, you were under the impression that this situation, which is not uncommon in the sailing world, would be FULLY covered. You paid the premium, now it is the insurance companies job to fulfill the contract. Wink Wink.This works with 99% of the companies. Advice from a retired insurance agent.