No, the insurance didn't cover it all , they kicked back to Danny as a manufacturing defect after a marine inspector examined the remains.
Have you any exerience in "failure analysis" as engineers conduct it NOT lawyers??? You have to follow the Chain of Events - what caused what to happen??? Take a look at the Cedar Rapids airplane crash several years ago. What was the actual cause of the chain of events that led to the deaths of those passengers? The jet engine's turbine exploding, cutting the hydraulic control lines, making the plane uncontrollable, resulting in it crashing upon attempting to land. Or do you believe it was pilot error for landing too hard on the ground???
I was there, I placed the blame were it belongs. Not to jump too hard on you, but how would you do when your boat goes BANG... and is gone, leaving one hull floating, everything else is under water ... out in the ATLANTIC OCEAN???? just your young son and you, and wreckage.
Harry
ps: I've been a boater/water rat my whole life and started with a H-16 Sail #572 and have had my H-18 since 1984. And you???