As far as I know insurance does not cover docks. Mine got taken out big time about 5 years ago and had some minor damage this year. Every season I just cross my fingers and hope the wind stays calm. My old house had the crank up docks and they were great as far as staying safe from the ice. One reason I would not change back is my new house has a grandfathered permanent dock setup that while always at risk of getting hit is big and wide and much nicer than anything I could get in a crank up.
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