Your insurance may cover the hull puncture but it's unlikely an adjuster is going to add in gelcoat repairs from normal use. Unless you get a shade tree guy to do it, you are looking at around $100/hr for a shop rate anywhere you go.
2015 Seaark 1872 MV CC Etec-90
Helix 12 CHIRP SI, HB 1199, MinnKota Riptide ST80/i-pilot Link, Bob's Hydraulic
Bitter Gun Owner