John, No expert on this, but if I were in the same situation, I'd go back to the dealer I purchased the boat from and ask them to hook me up with a qualified marine surveyor and have the boat surveyed to get my own expert opinion on whether or not it is salvageable. I might even go so far as to ask for a Mastercraft Rep to take a look at it. Heat can do strange things to glass and metals. After seeing your pics,I'd want a straight up opinion that I paid for to counterbalance whatever the insurance company might find. You might even suggest to your agent that they contact Mastercraft and ask for a Rep to check it out. Good Luck! A.D.
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