LouC wrote:
I bet if you added additional snaps, made a new cover out of thicker material and made 2 supports using a piece of plywood under the cover (triangular shaped like those cover supports with the straps) to support without it getting torn by the weight of the water, the boat would be a lot safer. That and get a much bigger bilge pump and keep the OE one as a back up. So you could add a 2,000 GPH pump and keep the 1100 gph as a back up.
One last thing, I leave my VHF radio on the weather station all the time. If there are any storms, it beeps a very loud warning, no matter what the volume on the radio is set to. Really gets your attention. If you are in an area with weather reports such as this available from marine radio, GET A VHF and use it....
Thanks LouC, the bow cover was reinforced with additional press studs for high speed towing by the previous owner, and along with the centre pole I would have thought it would have been sufficient, except that at times we had green water over the windscreen which would have challenged a closed nose boat... I agree on the bilge pump ( current project) and will be buying a hand held VHF radio for
my next boat... 
( The severe wind warnings were posted on line 15 minutes after we left shore which is when we checked last, as we keep phones in the glove box, so a VHF will be handy)
Yes Insurance has offered to write off this boat as the repair costs are higher than 70% of the value of the boat, and as they offer to guarantee the workmanship of the repairs, any future damage as a result of this event will still need to be covered. There are some catches as always and we are negotiating because if they do write it off I am going to be a few thousand out for pocket....