We've asked several people about other shops, but haven't gotten much in response.
A family member works as an agent for the Ins co which has a policy on the car. They were able to look into the fine print without revealing who wanted to know. Bottom line is that if it was a timed event, no coverage
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Secondly, if ins. is notified and it's not covered, they would most likely refuse to insure the car anymore citing water damage should be a total loss and a no longer insurable vehicle.