Of course there is the obvious question, as posed several times earlier in this thread. Why leave one's vessel in the "islands" during hurricane season to begin with? Which is the same question insurance carriers raise with ever increasing frequency.
Perhaps because no CAT 5 winds had hit here since 1932 and the only CAT 4 in decades was Floyd in 1999? Perhaps because had this hurricane stayed as forecast in intensity it would not have damaged the boat? Perhaps because had this storm gone 30 miles north of where it was (original forecast path) it would not have damaged the boat? This storm was an outlier to what they'd faced.
Since 1999, here's what they've seen. 2012 Sandy, 80 mph. 2011 Irene, 105 mph. 2004, Jeanne, 115 mph, Frances 105 mph. So one CAT 3 and 2 CAT 2's. Prior to Floyd, you have to go back to 1933 to find a CAT 4.