We have progressive insurance

We have progressive insurance on our 31 foot boat we used it and about 4 days later we found the boat takeing on water at our dock so we pulled it out of water and made a claim and took the boat to a repair shop progrssive took there time almost a month to only end up denie the claim they claim lack of maintance on the boat we have it serviced at least 2 times per year as well as I look at it I have been around boats for 46 years they said that the shift bellows had a hole in it the repair shop said something might of hit it like a peice of wood while in use 4 days before the boat will do about 70 miles per hour we have been told by 4 repair shops that they will always try and find a way to denie a claim that has proved correct a sugest talking to repair shops before you by with them they are not good at all