Really sorry to hear about your misfortune Chris. Genoas don’t come cheap either. It must be very frustrating for you as the damage you had sustained might have happened regardless of whether the boat was on the hard, moored in a marina or on a swinging mooring. I suggest you could argue the case with them and if they dig their heels then take your business elsewhere.
You have also made me think about appointing a trusted friend or acquaintance who would attend to the boat when I’m away especially in the winter months.
If it’s of any consolation insurance companies in the Med will only recognise certain marinas as ‘safer, and no boats are covered on swinging moorings between September and May.