BoatU.S. Marine Insurance Scammed by Sales Agent Alexandria Virginia

I filed a claim with BoatU.S. for a boating accident I had on 7-12-13. The estimate was for $5540.53.  The insurance company sent a surveyor out to confirm the damage and then advised me I was going to be paid only $3822.66. I was shocked!! I told them I insured my boat for around $32,000 and was told it was an "actual cash value".  I was told by the claim agent that under the policy I had boat repairs were depreciated ten percent from the date the boat
was manufactured. My boat was a 2005. I explained that I was never told this information when I purchased the policy from an agent over the phone. I was under the impression I was getting a policy of actual cash value and was never told anything about depreciation. I explained that I understood they had a yacht policy but was told I could save a little money with the boat saver policy by under valuing my boat a little.
 My boat is a $40,000 dollar boat and I would never have picked a policy that would depreciate it 90%, that is just crazy! There isn’t even much point in having insurance if it gets depreciated 90% and next year 100 %.  Not only would I not pick that policy but the company should advise a customer not to pick it for such a valuable boat. I
believe the person selling the policy had not idea what she was selling and I got taken advantage of. I checked the policy information I received in the mail.  It consists of three pages and does not say anything about depreciation. I later called the same number I had called when I bought the policy and spoke to the person who answered. I began asking questions about my policy and depreciation. The operator had no idea what I was talking about and had to transfer me to an underwriter. He answered my questions and said the girl I spoke to must have been new. I could not believe that these are the people selling the policies. I asked to have a copy of my full policy mailed to me to make sure I did not miss something. I received the same three pages I previously had and again nothing about depreciation.  Prior to getting a BoatU.S. policy I had coverage through State Farm for many years but ended up changing because it seemed that BoatU.S. had a lot to offer, however I was very wrong.  The amount we are talking about  is $1,700. To me that is a whole lot of money, to the insurance company it is a drop in the bucket.  You would think they would take care of their customer due to their error and to have a good reputation.  I guess I was wrong. It is just not right that inexperienced uninformed people are selling policies that can affect peoples lives and finances so drastically.