Great chapter CJ.
The title to the boat is in Trevor's name and so isn't the insurance. Trevor has no knowledge of insurance fraud so he can't be guilty of anything and the insurance has to pay. I assume the insurance is capped at some point and is not unlimited to total replacement.
I guess the boat is registered in Dirk's name so that is why the Constable came up with him and not Trevor when investigating the EPIRB.
I hope Trevor borrowed a couple of blankets to sleep on.
Bank, buy clothes, talk to boat yard, call Joel & Lisa to tell him he is OK. Will Joel & Lisa be at their special spot?