The insurance company should pay to fix it. Then they'll have to litigate against whoever stored it for negligence. This is a lesson to be learned for all owners that store their boats out of the water in the off season. There is no substitute for every boat to have its own trailer.
And any boat that goes into inside storage in racks must also be sitting on a custom built square rack with all toons supported front to rear. Those mega forklifts are killers to aluminum toons.