I think you have a very good leg to stand on. I would ask for a complete repair if you really like the cat and rod/reel replacement, or your money back plus rod reel replacement. This is custom ordered for small claims court if they refuse. Their negligent design created the opportunity for your loss, not to mention the personal risk. If its not to far of a drive, get a photo of the location on the river so you can prove you weren't abusing the craft, as well as photos of the damaged studs on the boat. Also, price out your gear in advance for 'like' replacement.