I have recently had a claim where someone tried to steal the outdrive from my boat. I live out of state and want the insurance company to cut the check to me. They said they were reducing the cost of parts for my claim by 80%. This will cost me over $1000.00. What is the laws concerning a claim and payment. If I wanted to sell the boat at a reduced cost because of the damage am I not entitled to the full amount of the damage?