Jeff, are they giving you any type of financial compensation for the damage. If not, even without repairing, I’d be getting something from the neighbors insurance policy for the damage.
That part is a little messy - or at least I am viewing it as such. Short answer, NONE of the potential parties has offered/agreed to any type of financial compensation for the damage that is not tied to a specific repair or remedy.
Read on for details, or stop above with the direct answer.
The boat rental company has worked with me to try to come up with possible solutions, and offered to contribute a small amount towards them financially ($300-400). Actual boat renters have not offered anything concrete, but have said to reach back out to them to discuss financial assistance with repairs if needed. They otherwise are apologetic about what happened. Both of these parties are very nice and polite. Apologetic over what happened, and sound willing to do something.
VRBO property owners: passed along renters contact info, but seem to want to wash their hands of it. They do not seem willing to voluntarily work with me beyond this point on this matter with their homeowners Insurance policy.
Boat Insurance policy: It is insured in conjunction with my lake house policy, $1000 deductible. I could go this route and try to small claims court or subrogate via insurance to get reimbursed my deductible. However, as many here know, we have had 2 big homeowners insurance claims this year at our cottage (snowmobile crash and fire, and storm damage). I am worried about future rates if I have any further claims anytime soon. Thus, I am personally reluctant to utilize my insurance even though that would be the easiest and most comprehensive way to “repair” or “cover up” the damage.
Small Claims Court: I have considered this option IF the responsible parties don’t step up 100% on their own if I get repairs done. I see this as a last resort type solution. And, based on interactions with boat rental company, and the actual boat renters, I am somewhat confident something like this wouldn’t be necessary anyway.
What’s holding it all back: None of the possible solutions really seems totally ideal, and as said above, when in the water, you really have no idea the scuffing, scraps and scratches all along the starboard pontoon are there. You have to really be looking for them right above the water line. Frankly, if I tied off with another boat (which I have never done), I could probably get the same type of marks pretty easily if not careful about bumper placement.
Thus, after so many cottage repairs this year from the accident/fire and storm damage, I am feeling exhausted in dealing with these types of matters. Thus, my “maybe its time to live with it and move on” position mentioned above.