Well, I still disagree with you.
I work in the marine insurance industry (note my sig)- 14 years on the retail side, and for the past 1.5 years as a marine underwriter (I am the national manager for Charter Underwriting for GEICO Marine). I work with retail agents internal sales, and claims daily.
Insurance is not an evil entity designed to engender adversarial engagements- rather, it is in place to make you (or others) whole based on the merits of a claim.
You cannot guarantee anybody rates will go up as a result of a claim. That would amount to a guaranteed penalty for exercising your insurance, which would be illegal in a number of ways. Likewise, most yacht insurers offer haulout assistance for named storms and towing coverage- both are claims, and both do not add any A/P (additional premium) to a policy as a result of filing. What about damage at a marina that is not the fault of the insured, but covered by the marina? Again, claims that do not penalize the insured.
Marine insurance contracts are governed by a legal principle called uberrimae fidei" or "uttermost good faith". This means that all aspects of the risk must be disclosed by all parties- this means that a claim (such as this one) should be reported to the OP's insurer.
As far as suing/threatening to sue an insurance company- it is anybody's right to do so, but know that threatening legal action does nothing to make a marine insurance company tremble in fear and settle a claim any quicker. Nor are any claims adjustors required to "pay a full claim if there is credible legal threat"- in my experience, the claims process is usually slowed or halted when the claim escalates to legal action.
I don't know where you get your info about "an insurance company paying only a percentage of the cost" or any of the other stuff you present in your arguments, but I can say with authority that it is not correct in my profession. I did read all your arguments, and they sound more like information gleaned from internet searches based on disgruntled people that actual policy claims.
The disgruntled folks I've run into expect every loss scenario to be covered, and never bother to read their policy to ascertain what is covered and what is not. when a claim occurs, these same people sing to the high heavens how "they were screwed/how insurance companies are evil/how you never want to make a claim because your rates will go up".
If this is your argument, why do you have ay insurance coverage at all?