Yes had a little insurance and it is covered. The surveyor who came out for insurance determined it was due to 3 days of heavy wind/rain, coupled with pumps overwhelmed and once some of the thru hulls went under she took on water fast. I'll buy some of that but I have other theories as well. I believe also the shore power was somehow unplugged. Anyway, I have gone thru the entire boat and plugged all non used thru hulls, I have 2 awesome bildge pumps and all new 12 v wiring and bought a 110v submersible pump that will move serious water off the generator. Since the sinking I have put 20 hours on this boat including several hours in the gulf in 4-5" seas. She's good to go. This boat is my future home......Failure is not an option!! ;-)