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In my dock site, #903, there were dock poles that had large growths of oyster shells under the water line that with movement in the dockage caused those shells to scar the hull of my new Grady-White 271 Canyon. The boat has an Awlgrip epoxy and now will have to be repaired due to both scarring of the paint, but the gelcoat. I have pictures available upon request. I would ask for the method of coverage for insurance to the damage your site caused.