Ok, I got the skinny from Sea Tow on vessel recovery. Yes, Sea Tow does recovery, No they do not cover it on your membership so it becomes an "out of pocket" cost that must be covered by you or your insurance. In my case of the 13' boat, it was covered under a Homeowner's policy by Safeco but that policy did not cover sinking. So Yes I could have got Sea Tow to subcontract to BoatUS to raise the boat but it would be totally out of pocket cost to me. So, in my mind, I was not covered for recovery by Sea Tow or my Safeco Insurnace policy. I hope this clarifies the experience. Since I would have to pay total cost for the recovery, I viewed the situation as I was not covered by Sea Tow and that got distorted to Sea Tow does not do recovery/salvage. If your insurance covers salvage, Sea Tow or any recovery/salvage company will work, but Sea Tow membership does not cover salvage/recovery costs.