To fix the dock will cost $1.5.  But MSB asks the insurance to pay $2.36.  Hmm, maybe the insurance company said: "Hey, we aren't going to pay $800,000 more than the repair job will cost.  Do you think we are idiots like you or something!?"

If the dock needs fixin', just dig into the mountain of gravel used to build the railroad extension.  Might as well use the gravel from the rail bed to fix the dock, because the railroad will never be needed.