I hear what you're saying. It's helpful for an adjuster to know the value of replacing a carbon fiber something or other.

In my case, it was pretty cut and dry. What did you pay for the boat . . that's what it's covered for.

When my mast broke, I was pretty impressed with Nationwide. the guy didn't know squat about catamarans, but he managed to throw in a "when you step the mast, give me a call to make sure we didn't miss anything", to let me know he has a friend that might know a thing or two.
. They covered everything that was broken without belly-achin' over it.

It doesn't hurt that I also give them my auto and home insurance business. They know where their bread is buttered . . . a one-time $2400 boat claim doesn't hurt too much compared to years and years and years of that soft and creamy home and auto insurance premium butter.