We recently hit a water logged railway sleeper, which cracked the gimbal ring on our Bravo 3 outdrive.
The insurance company instructed a surveyor to inspect the damage and whatever he reported has caused them to decide that the damage was caused by wear and tear !
We do not have access to the surveyors report but from discussions it seems that if we had done more damage (holed the hull and ripped the drive clean off) they would have been more likely to pay out.
Has anyone else had a similar problem, goy any advice ?
My advice to anyone caught out by similar misfortune is to get as much evidence as possible - take pictures, retreive driftwood, report to the local coastgaurd, get witnesses ANYTHING you can do to back up your case.