If it's insurance covered - let them pay for the swap! Start getting bids for the labor etc to swap it out... have them cut you a check for the bid amount - then do as you want to...
Just because it's messed up -- doesn't mean you have to do the work! And or - since they're NOT going to pay for an upgrade - the difference in saving the labor by you doing the work yourself - might get you the upgraded sub - making it "worth your while" to do the labor.
That... or maybe to save "summer" cruising - you could have the cracks ground out - welded and fish plated to get you by 'til winter sets in.
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