Not directly boat related insurance, but close, is the restoration of my destroyed boat slip cover and associated lift. It was a 2000-installed trawler-sized shelter made by Big Top out of Perry, Florida, and it was covered for wind-only damage by my USAA policy as an "additional structure" on the property. Initially, the contracted adjuster simply ignored the structure in his report to USAA, and it took me weeks to get any response from USAA about including it, even though I left phone messages and posts under my claim in their communications center - most unlike USAA. I think my negative experience may have had something to do with a personnel problem because the person who eventually got back to me was somebody other than the POC I had be trying to contact. When the new POC did respond, she noted that my policy did not cover wind and water damage, just wind, and that my claim was being denied. A quick message back followed up by a phone call to "reason" with the first claims guy who answered brought about the desired result. I cited the fact that the three to four foot surge we experienced locally during Hurricane Michael could not have possibly caused any water damage (as in wave action) to a bunch of pilings supporting a structure which began about ten feet above high water and continued up to 20 feet above high water, especially since the 155 mile per hour winds we experienced were over a fetch of about 200 yards of open water. Waves? I doubt it! My house is a LOT lower than the lowest part of the shelter, and it had no flooding. Flattened spume maybe, but NO waves. A day later, they had reconsidered and said I was covered. Now to get the detailed estimates they want from Big Top and the contractor who will reinstall my boat lift. In the end I will be building a hip roof structure rather than the large shelter I had before because a smaller boat now lives there, but USAA wants the estimate for exactly what was there. Hmmm. Well, OK. Rich Gano Frolic (2005 Mainship 30 Pilot II) Panama City area