To answer your question, Scooby:

Our Park District (that runs the sailing beach) immediately dispatches employees to take photos right after a storm for just that purpose. See my photos above. That way the individual boat owners know who is at fault and can settle disputes. I have seen the damage myself, and it is very easy to assess if your boat is firmly anchored and hasn't budged, and another boat landed on yours and crushed your mast or hulls. You know where the other boat's coming from, and you can see it wasn't tied down to anything.

Our Park District provides metal posts that go down into the sand several feet. People are supposed to tie their boat to the post at the front crossbar or dolphin striker. In addition some of us (the responsible ones) bury a car tire or cement block into the sand and tie down the sides or the stern of the boat also.