You may want to check your policy. Many insurance policy's will cover a manufacturer defect. It will just fall on you to prove it. Now I'm not a lawyer but if Grady steps up to offer assistance, that should prove the manufacturer defect part. Grady may cover the cost of materials, but the labor will be on you. In that case, you may get insurance to cover a percentage of it. With the cost of the repair for a transom I would definitely be on the phone with my insurance agent, nothing to loose.I did not contact my insurance co. I would have if it were due to an accident, but just like your car breaking down I don't think insurance covers a defect. I have notified GW and presented my case. Hoping they will stand behind it. We'll see.