I'm sure that Irwin's will try to do the right thing, they have reputation to uphold. But they are also a business and probably will have to work with their insurance company. They will probably try to settle as much as they can amicably.
The question is neglegence. If there was any wiff of neglegence, regardless of what I signed, I would expect and demand that they make me whole. In my opinion the boat owner should not be saddled with a deductable and higher premiums if Irwin's was neglegent.
So who determines if they were neglegent? Well unless they agree and just pay up, it has to go to court. And as a follow up, Irwin's may have to go after the people who built the building.
I hear that there were mostly small boats, so smaller dollar values means litigation is less likely. This may all just be settled quietly.
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