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What you feel, and what the appraised value is, may very well get litigated. Like Phil and I suggested....really do your research for similar comparable boats in the local area as well as national level. Documented upgrades help. Spuds and I both placed a value of our boats with our insurance. That takes the guesswork out of situations like this. I realize this is after the fact which might not help you but.....those other members reading this post. A stated insurance value, especially on the older hulls, well worth the investment. I have a 1981 VW diesel pick up with a crate motor. It has comprehensive coverage with stated value of $7000. I just clarified with my agent my upgrades. I would cringe at the amount I would be offered if I was rear ended without my stated value. It really did not cost much more than some of my other vehicles. Good luck. Really do your home work.
Garris