If your boat went down in, or near a navigable channel, the U.S. Coast Guard will require its removal. Their insurance company's claims department is experienced at raising sunken boats and removing wrecks from reefs, beaches and other places they don't belong. Such a company's marine insurance claims specialist would help you locate the right type of assistance, and very importantly handle all negotiations, arbitration or litigation associated with a wreck removal bill. There is no deductible or other adjustment to the cost of removing the wreck. The cost of towing is straightforward.
Most towing companies expect cash or credit cards and some accept personal checks.
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