Hey im in North Carolina and have a yacht down at the beach. The boat sank about 6 months ago. The insurance is saying it is normal wear and tear of the packing gland, even though they have been replaced yearly for the last few years. I have letters from severial boat yards saying they dont need to be replaced but once every five or so years. I have called 3 or so attorneys and they say I have a strong case but want 10 -30 grand to take the case. I need to sue ACE insurance company but dont know how to draw up the paper work. Is there a templet I can down load for this? I have been to the court house, but they just tell me to call a attorney. Thanks for any help.