After I struck an underwater dredge pipe, they sent out an "independent" surveyor to look at my transom. He tells me it's probably just the straw that broke the camel's back, due to the age of the boat. My reply back to him was that they knew the age of the boat when they took my premiums.
The surveyor and the company agreed to pay to take the motor off and have the repair shop look, after the cap was removed. I then get a letter from the company stating that they would pay for the exploring, including removal of the fuel tank, but would not be paying to repair the transom, if it was found to be bad. I called the person that wrote the letter and asked why they needed to remove the fuel tank. As it turned out, the guy had written the letter about another boat and had forgot to take out the part about removing the fuel tank. I was not at all happy about hearing this and told him so (kind of a form letter). I also told him I was not happy with his surveyor, as he did not even bother to look under the hull.
The transom did not need to be replaced. They fixed the cap and the next thing I knew I got a check. So, I'm still with boat us.
btw. I noticed on my policy this year, that my cruising area was limited to the inland and coastal waters. So I looked up the definition of coastal waters and it appears to be 12 nm. This didn't sound to good, so I called and talked to the underwriter and he assured me that as long as it was a reasonable distance, not 200 miles that it was ok. I would have to notify them of a trip to the Bahamas.
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